About

If inititals were to be put after my name, they wouldn't be PHD. Grumpy Old Miser would be more appropriate. When it comes to expenses I name names and take no prisoners. I save about $200 a year on bank charges, because I don't have to pay any. My combined cell phone and home phone costs me about $11.00 a month. I print documents on my printer for about 3 cents a page and that includes the paper. I have detailed how to cut many other similar everyday expenses in the book.
I teach exactly how to cut expenses and a new way to think about them to better understand what their true costs are. For example if your current car costs $30 a week for gasoline and you purchase a newer car you expect you will keep for 5 years that only costs $15 a week for fuel, how much are you saving?
If you answered $15 you are thinking too small. The correct answer is $3,900 (5X15X52) because you will be keeping the car for 5 years.
Instead of thinking about the cost of a bottle of pop at lunch as costing $2.00 think about it in annual costs and it comes to $520 which is a lot of money for someone earning ten or eleven dollars an hour.
Although the book is primarily designed to help low income earners, there is cost cutting  information suitable for everyone that wants to save money on expenses.