Thanks, folks. I do like the gym because the weather in there is always the same, ya know? Yesterday, I dropped some disability insurance I was carrying at work, only $4.15/wk, but every little adjustment helps I guess. Packing my lunch should save a good bit, and instead of expensive, sodium-packed lunch meat, I can make chicken salad, tuna salad, PBJ, or meatloaf sandwiches. Spending about $8/day at the local deli adds up (I started walking there when gas prices spiked). Yeah, a landline phone is getting to be old-fashioned, I guess. My basic Verizon cellphone plan costs $47/mo, with the landline at about $31/mo.
The vehicle question is another story. I love my Sierra, but I must face facts. As a daily driver, it is somewhat wasteful, especially apparent now, suddenly. I've got to figure out what I should do with it. Sell it, trade it, or keep it. Trading it seems the worst option, keeping it next worst, with selling it coming out on top. My next issue is replacement transportation. I am scared of used vehicles. Maybe that is irrational to some of you, especially since I am in the car business, but that's just the way I am. I have seen some bad stuff come through. Anyway, I looked at a fairly basic '09 Cobalt coupe yesterday, MSRP $16,200. With discounts, I should be able to lessen my debt load (I owe about $15,500 on the truck yet), have a vehicle that saves a lot on gas, and has a warranty. I would expect a monthly payment about $100/mo less than the truck with minimal downpayment, while saving about $100/mo in gasoline and a bit on insurance.
Ugh, seems like I'll be "laboring" all Labor Day Weekend, thinking of ways to get my finances in order. I hope you guys have a less worrisome weekend than I'll have.