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Where Did My Paycheck Go?
Your payment is under attack. Thanks to our gracious state/local and federal government that seems to want to tax us on everything but the air we breathe, we now have less after-tax money to invest in our future and fund our retirement. The public pays a huge tax burden and some argue that taxes will be even higher soon. The American tax payer will fund our government stimulus package, bailouts and the total mismanagement of our financial system. We will pay for those who gambled financially, used their homes as ATMs and those on Wall Street who exploited themselves into oblivion (literally). In addition to taxes, you have daily living expenses such as utilities, mortgage/rent, car payments, insurance, etc. Why don’t you have money at the end of the month?
Payroll Tax-If you are one of the lucky ones who are still employed, have you taken a look at your current net pay? Depending on the state you reside in, it will have a dramatic effect on your actual take home paycheck. According to paycheckcity.com, a worker who earned $73,500 in New York will take home $52,000. The same worker in Washington State only has to make $67,288 to take home the same $52,000. The privilege of living in the Empire State will give you back 9.1% of your earnings only in salary taxes.
For those of you who are home owners, your state expects its share of your paycheck in the form of property and sales taxes. This can range from 14% of your home’s value in Louisiana to 1.76% in Texas. Of course, there are state sales taxes to pay, which can range from 0-8%. Let’s not forget the gasoline tax that ranges from 12.4 cents in Georgia to 37.5 cents in Washington State. Remember that the tax is on every gallon of gas you pump.
While I don’t suggest packing up and moving, (you probably wouldn’t be able to sell your home anyway), state sales tax, property tax, and other fees that vary widely could be deciding factors when considering a new home. work or transfer.
Monthly wireless/phone service
One of the most important steps you can take is to start analyzing your monthly recurring expenses. When was the last time you checked out the latest offers from wireless carriers? If you have an older plan, you may be spending $25 or more per month. If you’re a heavy cell phone user, there are new unlimited plans that can save you thousands of dollars a year. Do you have a home phone? If you have a wireless phone, I would argue that it is not necessary. Cancel your home phone and save $250-450 a year.
Cut your premium channels and reduce your TV viewing. Shop around for deals not just from your local cable provider, but from others like Dish Network and Direct TV. Save $20 a month on your TV viewing habits and you’ve just put another $240 toward your future retirement. It usually pays to call service providers like cable companies, as they offer ad-free specials over the phone. If you are watching TV and the reception goes fuzzy, you want to make sure that someone will pick up the phone at 9:00 pm on a Saturday.
Have you checked around for prices for internet service? Typically, there are many competing companies in your area vying for your business. Like cable TV companies, it usually helps to call these types of service companies as they usually have deals and specialties that aren’t advertised. When signing up for a new service with a new company, always ask for their disconnection policy. Is there a service contract? If so, how many days can you try the service before it is closed? Is there an activation fee? Finally, make sure that customer service is available 24/7. Save just $10 a month and now you have an extra $120 a year to invest in your 401k.
1. Turn Off Your Water Heater- while it may sound strange, turn off the breaker to your hot water heater. Try it for a month. I think you will be surprised how much you save per month. After 3 months, I average about 10% savings. Remember to turn it on before you go to sleep, as it takes 30 minutes to an hour to heat the water for a shower.
2. Use Power Strips-Everything you plug into an outlet uses phantom power. Do you leave your computer on when not in use? Do you have a new flat screen TV plugged into the wall when you are at work or not using it? You are always billed for energy use. The use of phantom energy occurs when any item is connected to the wall. Connect many items in a single power strip. Before going to sleep, make sure the strip is unplugged.
3. Insulation-Make a trip to Home Depot or Lowes and buy some weather stripping for old drafty windows. You’ll be surprised how much your heating and air conditioning bill will drop.
Take advantage of these energy savings. Depending on the size of your family, just a 10% savings can put $100 or more a year in your pocket.
Ok, so you don’t want to become a hermit. The cost of going out and having fun is expensive. If you want to save some money on entertainment and dining out, buy an Entertainment Book. You can find these coupon books at your local bookstore or go to http://www.entertainmentbook.com. The Entertainment Book includes thousands of both national and local retailers. Coupons include discounts on movie tickets, groceries, and even buy a free meal at local restrictions. Go to dinner just once and the book pays for itself.
As you can see, the typical family can save $1000 or more a year if some minor changes in your daily life are made. The key is to look at monthly recurring expenses and slice 10% or more of those monthly expenses. Being a little cheap is not bad!
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