Re: Financial adviser
Your phone/internet bills seem high to me. I pay $50 a month for high speed access for the Internet. I would get rid of the cell phones (even if you have to pay a penalty. If you have them, you'll use them), get basic no frills local phone service and then buy a long distance calling card. The card makes it so you'll think before you make a long distance call. Then I would shop around for Internet and see if you can find something better.
I would also take your credit cards out of your wallet. My favorite is freezing them in a big block of ice in your freezer. Then if there is a real emergency, you can thaw them out. Otherwise, you can't touch them.
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