Columbus Financial & Success Coach
"The better way to save your Future"
I want to help the middle class families save money and build a better future.
After suffering my own hardships, and turned to credit counselors, that tired to charge me more then I was paying on my credit cards currently.
This forced me to think of a better solution, So I developed a saving system that can save the average family hundreds per month! And the best part, the basic program is 100% Free!!!
Why are we paying so much for the Internet?
I started the Columbus Financial Coach back in in late 2011 and saw the future of the media players. Back when it was Roku, Tivo, and a few other media player devices. Today the media players will replace the cable company hold in our society. Right now we have the Amazon fire stick, Android devices, Google chromecast, and Roku are king of alternative entertainment and cable TV is a dying breed.
So, what does the cable company do to save it own hide? The cable industry starts to overcharge us the consumer for the internet access to otherwise cheap media. So what can consumers do to fight back? I feel a fair price for internet would be $40 to $60 per month, but these cable companies are charging people as high as $100 per month. I am not talking about the cheap introductory specials. What can we do? What can we do is share your access with you're neighbors or community. Have an internet co-op program and pay a smaller monthly fee. Let' face it you need a 1 a gigabyte per second (1000 Mbps) access with the new Docsis 3.1 modems, then you will have to pay for access. But, I am sure like most of us that a 30 Mbps speed is more than enough for you and your family.
Often without buying special equipment, pick up your neighbor's WIFI signal. And if you need to buy a special equipment. They have long range routers that that can broadcast more channels so you can have more users on at the same time. The long range routers and external high gain antennas for routers that can increase your range. Even can buy a long range USB WIFI adapter with a high gain antenna attached. Another solution would be using a WIFI extender that acts like a repeater that picks up the signal rebroadcasts WIFI signal. The Internet is the gateway to the web, entertainment, and telephone services, so don't be taken advantage by the cable company. If the cable company wants to overcharge you go and out think the cable company.
Alternatives to Phone Service using VIOP (Internet Phone)
Magic Jack GO
I have used the Magic Jack, to make sales calls when I was working with Primerica. It works, not as good as a regular landline, but just as good as the internet phone that came from my cable company. Starting at $35.99 for the device and a year of service (additional service is $39.99 per year, and $89.99 for years after that) for the service it is a great value. Both Magic jacks’ have unlimited calling to US and Canada, call display, call forwarding, free voice mail, free phone number, and E911.
If you want get rid of your telephone carrier but need all the bells and whiles, there is a higher end of a internet phone that you can buy the equipment alone starting at 99.99, but the monthly fee is good at $3.99 per month, you can port your current number to their system try Ooma.
We should not forget about Vantage, which get the same basic features as your phone company at $9.99 for first 612 months and plus fees & taxes http://vonage-promotions.com.
Android Smart phones & Cell Phones at value price
After searching for some good deals on wireless cellular phone, I become flabbergasted how cheap and even free that cell service has become! I am part of the old school that still remember when cell phones came in a bag and or it was a brick, and were sold at the local Radio Shake. Prices where unenviable high over $1000 for the phone and over $5.00 per minute. Today, late 2017 we can get free phone service and even yearly contract for less then some other carriers charge for 1 month of use. One of these company is known as FreedomPop with 1 GB data, unlimited phone and Text for $79.99 and even a free service for basic 200, 500 MB of data 200 minutes 500 texts for free!!! And a $24.99 2GB Unlimited minutes, talk and text. I even give you the websites that I found this incurable deal on.
Shopping for a Computer or Tablets
The best places are www.Newegg.com, www.Tigerdirect.com, & MicroCenter, also check out BestBuys, don't forget the manufactures of the computers as well Staples or Office Depot.
Fine Dinning or the Local Fast Food Places
Here is some great way to offset the cost of eating out with friends and family. In our society, it is more about being social and having a great time doing it.
Entertainment book cost about $35 at the being of the season but will drop dramatically as the session goes on. This book can save you hundreds in any year from restaurants to choose stores to auto care. www.entertainment.com
Restaurant & Other Entertainment Offers
There is a family of discounts that will be emailed to you and you can choose to purchase they usually are 30% -60% off retail. Singed and save www.livingsocial.com, www.groupon.com
Great ways to save on auto care
The best way to save on auto care is to make sure your maintenance your car or truck. I know there are different views, what type of oil to use and how many miles to change it. It always safest to follow the recommendation of the auto manufacture and common sense. I personal used fuel injector cleaner after every oil change and used an additive in the oil
as well with conventional oil. I personal use Lucas oil, http://www.bylucasoil.com. I use a cotton reusable air filter. That will increase the air flow and save gas because the car or truck does not need to rev as high to reach the needed speed. One popular brand is K&N these type of products improved my fuel efficiency and performance. http://www.knfilters.com
Another great way to save is if you can find a service shop that will let you buy your own parts. Some big chains will not let you do it. The advantage is you know what parts are being installed in your car or truck. And you can shop for around for the best prices. I personalty saved over $370 purchasing parts for my car parts over www.ebay.com and www.amonzon.com.
Always compare prices with the major auto part stores and online retailers.
Cheap Car Insurance & Cheap Insurance
I personal saved $820.00 per year on shopping around on Auto and Homeowners Insurance. The best ways to shop online and find an agent that represents multiple companies.
Great place to purchase the Insurance:
Save up to 20% off Utility Bills
Do you know that you can save additional savings off your utility's like electrical & gas?
Great place to purchase discounted Utility:
Great Place to purchase clothing items and other household goods
I personally shop at Marshals and TJ Maxx for low prices causal cloths great brands for a fraction of the retail price. I found that Marshals seems to little be less expensive than TJ Maxx, they're owned by the same company. I have purchased athletic shoes at The JC Penny Outlet store in the past.
Stores such as Big lots, Oliles, and Marshals and TJ Maxx are great places to purchase bedding items and household decorative items. The strategies here are to check these type of stores every few weeks for items that you might need now or in the future. They work off buyouts, and things come and go very fast. Just keep checking. They do offer big discounts over some compared to retail discount stores.
The best low priced grocery is Aldi and next is Save a lot. My personal strategies are going to one of these stores first and then go to another store for the rest of your grocery items.
Take advantage of Kroger and Giant Eagle fuel points programs if you need to fill up your car on a regular basis. Just like the commercial says you can buy gift cards and use them like cash. If you need to buy a gift just give a gift card. TJ Maxx and Marshals both have gift cards, so does the best buy and eBay, Amazone, and many restaurants have them too. The fuels saving will add up. Make it work for you buy a VISA, Master Card, or Amex card at Kroger which has $500 credit card gift cards. I paid my contractor $500 Visa gift card at Kroger’s paid $5.95 for the gift card and saved $1 per Gallons, up to 35 gallons. The Kroger has 2x for points so that is 1000 points. That is a net saving of $29.05, can you imagine the saving if it was repeated every month or if you're going on a vacation? 12*29.05 = $348.6 per year savings. And, yes I also buy the ref Plastic gas containers too to get the maximum savings.
Most months you are getting a gas discount of $1.00 per gal off at shopping at Kroger which is up 35 gallons per fill up. Kroger goes by different names across the US, ( King Soopers, Fry's, Smiths etc) You can simply buy a $100 Shell gas cards, that alone saves you $0.20 off a gallon. of gas. Plus you can do the same thing for gift cards at restaurants, places like Best Buy, and much other retail. you can use a gift card for birthday's, weddings, etc. The RX program gives you another 50 points, for each RX filled at their pharmacy ($1 = 1 point and 100 points gives you $0.10 off the gas. You get 2x points for gift cards). The saves will grow and grow.
Are you paying too much for your cell phone? Check out this solution