This week: The best bills to pay late, hidden new-car expenses, steps to become an entrepreneur, saving on restaurant meals, getting an estate plan together and Comcast data caps.
[Credit.com] “While Comcast moves ahead with its plan to add cellphone-like data usage fees to home Internet service, consumers like Kimberly Richardson are feeling the pain. And if you are a heavy user and part of Comcast’s new fee trial, expect your bills to go up in January.“
There are few companies that I like less than Comcast. They recently rolled out caps in my city (Fort Lauderdale, Florida), and just yesterday I was forced to pony up an extra $30 monthly to maintain my unlimited Internet. Thanks largely to Netflix bingeing, we exceed the new 300GB cap every month. If you use Comcast, you need to read this article. Because if caps haven’t arrived at your doorstep yet, they’re on the way.
[The Dollar Stretcher] “One of the reasons so many of us procrastinate when it comes to estate planning is a reluctance to think about death and dying. Another reason that may be even stronger is the need to make decisions. It’s not so hard to make an appointment with an attorney to draft a will. It’s much harder to decide what the provisions of that will should be.”
I could really relate to this article. I’ve advised readers and viewers to get a will many times over the years, insisting the process is easy. And it is easy to execute a will. The hard part, as I found when I recently updated mine, is figuring out exactly where everything should go. I should have read this article before I started the process.
[The Penny Hoarder] “It all began when I realized just how big a portion of my budget I was blowing on food. Although I’m currently drowning in student loan debt, I don’t like the idea of missing even a minute of my 20s by declining a night out with friends. … I made it my goal to figure out how to continue going out with friends (and/or ordering in!), while also bringing down my overall food expenses.”
If you love eating out but hate spending money, you’ll find some appetizing advice in this story. Tips include using reservation apps, discounted gift certificates, cash-back sites and more. If you’re hungry for ways to offset the cost of restaurant meals, dig in.
[Debt.com] “So you want to start your own business, but before you do, there are some steps you need to take to get in the right position and mindset to become an entrepreneur. I know because I was once in your shoes.”
The steps to self-employment bliss include things like recognizing that your working for a boss isn’t going to cut it, seeking the advice of other entrepreneurs, preparing for risk and getting your finances in order. Check out the post for more.
[Wise Bread] “Of course, the dealer will try to get the highest price they can on the cars they sell, but there are many other sneaky costs involved. Here are some of these hidden new-car costs and how to avoid them.”
You think you’ve got a deal, but before you sign and drive, you’ve got more spending to do. Potential gotchas include extended warranties, tire protection packages, oil change packages, rust-proofing, gap insurance, fabric protection and more.
[Credit Sesame] “Sometimes life throws you a curve ball and you just don’t have enough money to pay all your bills. Maybe you leave your job, get hit with a surprise medical bill, or just make a budgeting mistake that you won’t be able to fix until your next paycheck.”
The three worst bills to pay late are your mortgage, car loan and credit cards. The two least damaging, at least as far as your credit score is concerned, are medical bills and insurance. There are also some that fall in between. Check out this post to see where to put your money when there’s not enough to go around.