So, the plan is to simplify life for 2026 and get back to being super-frugal. Here's what's happening: I've Started Chopping Stuff:
- Credit Cards:
- Kicked the Chase Southwest Airlines Premiere card to the curb (saving a hefty $229 annual fee).
- The AMEX Business Gold Card is next, but I'm snagging the January and February $20 Grubhub credits first. That's a $375 annual fee gone!
- Ditching the United Quest card because the annual fee is jumping to $350, and they stiffed me twice on a promised $40 rental car credit. Not cool—I'll use other cards with easier perks.
- Subscriptions/Services:
- Canceled the security camera's online recording fee, which saves $4/month (the cameras still work, though).
- Signed up for a free Amazon Prime trial and bailed before I had to pay the regular rate.
- Switched internet from T-Mobile Home to Mint Mobile Minternet—same service, but I'm saving $20.
How I'm Saving Cash Every Day:
- Electricity: I'm using a smart meter to time the water heater to only turn on overnight when the electricity rate is low. It's working, and I make sure to turn it totally off when I'm out of town.
- Grocery Hunting: After the gym, I hit up the Walmart Market for those "yellow stickers" (discounted stuff). Mid-morning seems best for getting cheap meat, deli items, and produce. Last week's score? Twelve cans of refried beans for a quarter each!
- Tracking: Once December closes out, I'm going to compare this year's spending to last year's to find other places to cut back.
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