Your income is falling way behind what the prices are doing. The price of gas, home prices and inflation are causing most of our problems. It is really hard providing for your family if you are a parent and if you are single it is even harder. Just to try and get yourself started in your business life is really hard right now.

Whenever you turn around everything seems to keep falling apart. We now have a $700 million bail out by the government for Wall Street, of all things. But what about you, what have they done for you?

It just seems to get worse and worse every day and there are very few bright spots on the horizon. Even though everything looks dark and gloomy there are still a few bright spots.

You're probably wondering, what is this bright spot. Before we look at what that bright spot is let's look at the issue that's dogging all of us. Our phone bills are killing us. We get these great advertisements that tell us about all the savings they are going to give us only to find out that it costs us more.

Our average telephone bill, without long distance, is running between $60 to $85. That is a terrible amount to pay on a monthly basis. We are lured into these contracts only to find out later that they are charging us with all these usage fees, taxes, and God knows what else that end up costing us more and more and more.

Many of those that have cable TV are realizing much smaller phone bills even though they are calling their friends and family all over the country using digital phones without any additional charges. Here are two examples; one is Vonage digital telephone service. It hooks right up to your Internet and you are able to make phone calls without additional charges.

The bill is a standard monthly amount each month with on added fee. There is one additional fee, and because I'm not a Vonage user I don't know what that is, but the bill is about $27.52 per month instead of the $24.95 they advertise. But that is considerably cheaper than $65, $70 or $80 per month that we are used to paying for local calling.

Second, there are many other Internet cable providers that provide the same type of service. They usually are included as part of a package. Most of the packages are charging for digital phone around $33 with some are as high as $50. Still, the Internet package is a lot cheaper than the $65, $70, or $80 that many phone bills are.

So, in conclusion, if you are looking for a way to save cost, going to digital telephone service is the way to do it. This will save you at least $30 per month, probably more. My experience was I saved in excess of $60 a month by switching over.

I would suggest strongly that you switch over to digital phone. Even if you don't have cable you can use DSL to go to a digital phone and make a huge savings. It can be as much as $1,200 a year savings. If you would like to know more about it follow my link in the authors box. And look for more money savings or income improving articles.