You Are Paying Too Much for Your Cell Phone



If you’re ready to try out Ting – use this referral code to claim your $25 credit.

Do you know that feeling when you’ve discovered something that is actually a good product or service and you want to share the news with everyone? In my voyage to cut costs and save money I have found one of these.

Before Ting, I was paying over $95 a month for my cell phone bill. The funny thing is that I sit next to a land line 5 days a week and also have a company paid cell phone. I could non longer justify paying for two phones but the idea of losing my personal number was kind of risky to me. I would have to inform everyone of my new number and I may not be with my current employer forever.  I started to do some research.

In summary, Ting is a pay for what you use cell phone carrier. The pricing structure is fairly straightforward and  they provide a handy calculator to take out of the guesswork of what you would truly save by switching to Ting. In my case, My bill is on average $25 a month.

I would  consider myself a heavy internet user but my savings advantage is that I am almost always near a wifi connection so I save by not using data when I can avoid it. My number was ported in from Sprint with ease and I still have the advantage of a reliable network as Ting uses the Sprint network. This includes 3G, 4G, and 4G LTE.

Not to mention, they pay a portion of your ETF fees from your previous provider. This coupled with the  impressive savings was enough for me to terminate my plan more than 6 months early. I was able to break even (including the price of a new cell phone) after three months.

So what’s the catch? Some may say it is the fact that they do not subsidize their cell phones so you have to purchase a compatible phone for full price. This also means that you are not locked into any contract. Not to mention they have an great online community of buyers and sellers of Ting compatible cell phones.

For me the thing that stands out the most with Ting is their Customer Service. It is by far the most impressive customer service I have experienced in a long time. I have yet to call and experience more than one ring before I am connected to a friendly representative who is clearly trained and happy to be doing what they are doing. After each of my phone calls I have received a personal email from the person I just spoke with summarizing the call and offering their further assistance should I need it.

All in all, I give Ting 5 stars. I am saving $70 a month for the EXACT same coverage that I was receiving before.




Missing In Action


Time is very telling. When I first started this blog last year, I had a number of goals. After an extended hiatus I am back and the first thing I did was check to see how I measured up against them. The second thing I did was promise myself that I would never take as long of a vacation as I did from my blog again. It is a great way to keep myself accountable and create and reach new goals.

With that being said, I would say I still did a fairly good job at keeping my promises to myself. First of all I went back to school. This of course means a lack of free time as well as some new found debt in the form of student loans. I also have successfully gotten my first business up and running. There is still a long way to go but so far it has been an adventure as well as a small stream of monthly income.

Despite my lack of free time and increased workload from my job (by the way, I left my old company for a nice promotion) I want to start off with a few of my new goals. It’s not the New Year I know, but I figure there is no reason I can’t start bettering myself today .

The end goal in all of this is to develop a steady stream of passive income in order to be financially independent well before what is traditionally considered retirement age. When exactly, I don’t know yet, the math can wait. But in the meantime I will put away as much as I can in order to reach this goal. Through blogging I hope to not only hold myself accountable for my goals, but inspire others to do the same.

2014 Goals:

  • Write! That means staying loyal to this blog as well as pick up a few writing assignments with other blogs. I love writing but you wouldn’t think so seeing as how I fall out of the routine when things get busy in my life.
  • Create business plan. Like I said, I’ve started running with my new side business but do not have a plan for sustainability. I would like to create one so I can have a clear projection of the future as well as goals.
  • Max out retirement vehicles – 401K and Roth


  • Travel- I have three destinations on my list. Denver, Europe, and Thailand. I have been doing a lot of reading on how to acquire airline tickets for relatively cheap or free so I will most likely write more about that more in the near future.
  • Invest 40K. This one will be tough for me but I think through a modest lifestyle and discipline I can achieve this. Details to come as I make my way through it.
  • Surpass 200K net worth. I will have student loans working against me but I think I can make a gain over 2014 of 50k all things considered.
  • Stockpile cash. I am looking at purchasing an investment property and August 2015 is when I feel I will start looking and getting a feel for the market.
  • Blog goals-
    • First 10 subscibers ( first I have to figure out how to offer email subsciptions)
    • First revenue from blog ( again, a vast world that I know nothing about. Research awaits me)
    • Network with other bloggers.

I will add to this list as I think of new goals. In the meantime it feels good to be back!