S1E3: How to Lower Your Monthly Expenses so that You Can Have Extra Money to Invest or Save!

This is Money Talks on TEA Project, A Personal Finance Podcast. Your hosts, Gadiel and Michelle Espinoza. A husband and wife duo, where they discuss Personal Finance, Managing a Household, and so much more.

Gadiel is a father, husband, a Military Veteran, and a Lawyer.

Michelle is a mother, wife, BOSS, and a Certified Public Accountant.

In this episode we review our monthly expenses, have a discussion on each one, and assign someone to determine how to reduce the expense. For example, we have a monthly bill from AT&T (our Internet provider). I, Gadiel, will research all available plans and determine if we are paying too much for internet regarding the specific plan, and if we need to either go with another internet provider or a different internet plan with a lower monthly cost. We will do this with every expense we have.

Books we recommend on Personal Finance:
1. How to Stop Living Paycheck to Paycheck by Avery Breyer https://amzn.to/2KkjrBb
2. Total Money Makeover by Dave Ramsey https://amzn.to/2VErez4
3. The No-spend challenge guide by Jen Smith https://amzn.to/3bk5jno
4. You Need a Budget by Jesse Mecham https://amzn.to/2RPQpOc
5. How to Make Your Money Last by Jane Bryant Quinn https://amzn.to/2xMV2Sf
6. Money Master the Game by Tony Robbins https://amzn.to/39fX0as
7. The 9 Steps to Financial Freedom by Suze Orman: https://amzn.to/2wHUfBn
8. Everyday Millionaires by Chris Hogan: https://amzn.to/3atbbdO

Book Estate Planning:
1. Florida Estate Planning: Just the Basics by Gadiel A. Espinoza https://www.amazon.com/dp/1096346265

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DISCLAIMERS & DISCLOSURES

This content is for education and entertainment purposes only. We do not provide financial, tax, business, or legal advice as each individual has specific circumstances that needs specific attention. Please consult with a licensed professional in your local area.

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