Right now I'm going through my monthly bills and getting rid of all the things I just don't use anymore.Audible: $23.00 a month (ouch)Magazine subscriptions: $2.00 to $4.00 a month, but added up to $23.00 totalHome Phone: $44.50 a month - and I don't use it. Ever. Goodbye verizon.Cable TV: I was paying $82 a month, cancelled it, got directvnow for only $35 a month. Instant savings, have the same channels.Do you have other monthly fees such as spotify and you're not using it? Pandora maybe?Do you have a monthly gym membership you just keep in the hopes you're going to use it?Heck, I called my security company for an upgrade (ADT) as I've had the same system for 11…

It's time for the ultimate robo-investor showdown.  I decided to download all three apps last year and find out which one I liked the best.  Acorns and Betterment are true robo-investors where you set your risk tolerance and send them money as/when you can Acorns.comAcorns is a very simple but effective app for roboinvesting. You attach a bank account, can make one time investments, or set up recurring investments. I decided to try the reoccurring investing. What I liked about this program is that there are other ways to invest. They have something called "round ups" where you can attach a credit card and if you spend say 28.77, the next .23 will be taken aside and when you hit…