Around this time of the month I would get my cell phone bill and as you all know I switched to a new plan not too long ago. This month was my first billing under this new plan. I was just looking at the bill compared to last month on how much money is going to be saved once I saw this:

Granted every month it is a little different, just looking at the $55.93 total from last month to $17.87 this month while getting more features than before is quite a substantial difference. If those numbers were consistent, that would roughly mean a $456.72 savings a year.

While many people say who cares to a little bit of savings on various things, a little bit of effort to get a better deal can sure look nice in the long run.

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I had a conversation with a person today in regards to a cell phone bill as last month he racked up a three figure bill. He did mention how he was used to US plans instead which offered more for less, but that’s another story.

What this did remind me of is how a lot of people place restrictions and credit limitations on various service subscriptions to prevent any type of overspending. For example, when it comes to cell phone services, a lot of people use pre-paid cards to prevent any surprises.

I think the only time I did this was back when dial-up Internet was pretty much the only feasible option as the service would just get cut off after X amount of hours instead of going on a plan that continually billed by the hour. It tends to make you a little more money conscience too with your finances I think.

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There are a lot of people that decide in preparing their taxes right now and one topic that came up was how people can save money by creating an incorporated company to enable themselves to write off a lot of expenses while receiving more tax breaks.

I actually had an unrelated conversation with a person recently about setting up an incorporated company as I wondered why he didn’t register his company that way instead. His answer was a pretty common one where he thought it was only for large companies that generate say millions of dollars a month while costing thousands to do so.

While you should consult with a professional, creating an incorporated business can be a very straight forward process. Some examples of people incorporating themselves even though they are the only person are photographers or even say actors.

The money then earned goes to this corporation that you created and can be retained with tax benefits. Afterwards, you can either pay yourself a wage or say dividends. People usually only do this if they have an excess amount of funds to handle as the paper work and accounting can get a little redundant if you don’t exactly save a lot of money.

Everyone’s situation is different though, so you should definitely research thoroughly beforehand.

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Today I received a telephone bill which had all the usual service fees on it. A few months ago though there was a service that I enrolled into that was not initiated properly from the vendor’s end and as a result I am suppose to be credited for it. It’s been about two months and I have yet to receive this credit which was well over $200.

Part of me is thinking that I should raise some commotion just to speed the process up as it’s almost like giving an interest free loan to a company at this point. I have actually seen certain companies do that before too where they try to delay in giving out refunds so that they can say earn interest on it first.

Of course, most of the time it is simply due to a processing delay.

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This was the final chapter in the book and of course it was titled “Think big and kick ass in business in life”. For the most part it was mostly a re-affirmation of what has been said with different stories.

One thing that I thought was odd was that there were a lot of pages near the beginning of this chapter where Trump talks about how many women he has been with as well as diving into topics such as what attracts women and so fourth. It felt completely off topic especially with lines such as “So guys, be cocky, confident, smart, and humorous and you will be able to get all the women you want”. Felt more like reading a book of “How to be a player 101”.

Although, I believe the intent in writing those parts was to demonstrate how in life attitude plays a large role on how others perceive you. He then talks about how if you are thinking big in life that you should say also own expensive and high end clothing to project to the world that you value quality.

I can easily see people interpreting that in a surface level way though which usually causes people to kill themselves financially. Speaking for myself, everyone who I have personally met who does that usually aren’t too well off financially with the ones who can speak for themselves are usually the ones who are better off financially.

The rest of it talks about having the right will, courage and determination to see things through to the end. At the same time, he emphasizes the importance of how if you want to succeed then you need to surround yourself and make friends with like-minded people as oppose to say people who are always negative and complaining to others about problems. He even says that you should discontinue contact with negative people as they will only drain you.

He then wraps it up by re-emphasizing that in the world there will always be obstacles forced upon you in your journey to success such as greedy professionals who will want to take all of your money or people who are willing to lie, cheat and steal from you. You just have to be prepared to find ways to keep going.

That does it for this book. I’ll be writing my final thoughts on it overall.

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