I just got your book, “Start Late, Finish Rich” and finished the latte factor chapter this morning and saved $84.00 per month this evening!

We sat down tonight and shaved $70.00 per month off of our cell phone plan and $14.00 per month off of our cable bill. I also found that my husband’s cell phone was listed under the service address of his former office in NYC. We have been paying extra taxes to NY for years for service address that doesn’t exist anymore (WTC).

I threw the cell phone company people for a loop and they are now calculating the credit for several years of taxes per month. They will let me know how much money they owe us on Monday!

It pays to read all of the phone bill and ask questions! I think trying find the latte factor on a couple of bills a weekend will keep it from becoming an overwhelming task.

Thanks for the advise. I’m still ready and eager to save more!!!