5 Ways to Cut Your Phone Bill

DAVE'S eNEWSLETTER August 2013 | DAVERAMSEY.COM | View this email online? Click here. | Forward to a friend

You remember way back, maybe 10 years ago, when your cell phone pretty much just made phone calls? Back before the smartphone existed? Or go back 10 more years, when "cell phones" were massive contraptions you had to plug into the cigarette outlet of your car? These days, cell phones are much smaller and much more convenient. They do everything other than wash your laundry and put gas in your car—and they'll probably figure out how to do that soon. But all that cool technology comes with a price. 3 Ways to Pay Off Your Mortgage Early More than 20 million Americans own their homes outright. That leaves about two-thirds of the nation’s homeowners with the goal of one day making that last mortgage payment. Since we're all about getting out of debt as quickly as possible, here are a few suggestions to get your home loan paid off quickly. Introducing the Follow-Up Class to FPU, The Legacy Journey Life is an amazing thing. We only get one, and we want to make the most of it, but so often we find ourselves wondering how. How can we live a legacy now and leave one behind for our family? The Legacy Journey is the next step. Daveramsey.com Month in Review • Earn 90% Today! What? • Budgeting for The Month: August • The Six Kinds of Shoppers • Don't miss the bargains! Get Dave's Deals today! Dave's Money Tools Other Great Tools Get recommended percentages for your spending and keep on the right track with the Gazelle Budget tool! Learn more! The Debt Snowball Investing Calculator Mortgage Calculator More Money Tools Get Plugged In! Where's Dave? Employment Opportunities New Radio Station Affiliates Where's Dave? Legacy Journey LIVE! October 10, 2013 – Tulsa, OK October 17, 2013 – Spokane, WA November 14, 2013 – Greenville, SC November 21, 2013 – New York, NY Total Money Makeover LIVE! October 5, 2013 – Presented by Rachel Cruze – South Bend, IN October 12, 2013 – Presented by Rachel Cruze – Champain, IL October 26, 2013 – Presented by Andres Gutierrez – Odessa, TX November 2, 2013 – Presented by Chris Hogan – Huntsville, AL November 16, 2013 – Presented by Chris Hogan – Baton Rouge, LA EntreLeadership 1-Day September 17, 2013 – Orlando, FL October 9, 2013 – Colorado Springs, CO October 16, 2013 – Los Angeles, CA November 13, 2013 – Birmingham, AL EntreLeadership Master Series November 3–9, 2013 – Nashville, TN Want to bring one of Dave's speakers to your group or event? Find out how. Find a station near you! There are more than 500 affiliates nationwide. New Radio Affiliates City and State Radio Station Air Times Pittsburgh, PA WPGB-FM 104.7 M–F, 8–11p.m. ET Spokane, WA KXLY-AM 920 M–F, 12–3p.m. ET Portland, OR KPAM-AM 860 M–F, 6–9p.m. PT Goldendale, WA KLCK-AM 1400 M–F, 12–3p.m. PT Lincoln, NE KFOR-AM 1240 M–F, 6–9p.m. CT St. Cloud, MN KNSI-AM 1450 M–F, 6–9p.m. CT

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