<prompt> Human: Just wanted to thank you guys for the help when I ask questions, and letting me lurk in this subreddit. A little backstory, I was living way beyond my means, I have a daughter, and beautiful girlfriend that I take care of daily, and I was just spending way too much.I made two major changes in my budget recently, I switched to AIO for my wireless, from Verizon, which saves me about 80month. I then switched to Geico from Nationwide which made my 6 month premium go down from 487 to 277, saving me about 30 a month. To add to that I do my own car repairs now, I changed my brake pads and topped off the fluid for 30 last week, when I would regularly go to a mechanic and pay upwards of 180 to do it.Thanks guys! Its an amazing journey when you start living within your means, and start learning how to do your own repairs!EDIT: To clear up the insurance, I went from 50100 to 100300 in liability, for 50 cheaper price. So it is cheaper, and it is Geico, but I have heard Geico is excellent in customer service. I do also have uninsured motorist too.  <response>: Fixing your own car in general simple ways can end up saving you quite a lot of money! Not to mention props with da ladies, jk...kind of.Also, congrats on shedding 110 a month in useless bills! 