Tuesday, November 29, 2011

Don't pay for more than you need!



Have you ever watched one of those TV infomercials that seem incredibly too-good-to-be-true!  You think to yourself, “Wow!  If I just have that (fill in the blank) life will be so much easier.”  Then, the more you watch, the more that they offer!  “But wait!  If you order in the next 30 minutes we’ll send you not just one “Sham wow”, but two!”  You know what I’m talking about!  Keep watching the commercial and they may finish the ad by offering you 4 of the item as well as 2 other completely different items altogether!  What a deal!  (Please notice my sarcastic undertones…)

Recently, as we were combing through our own monthly budget, and trying to find places to save costs, we determined to contact our “variable cost providers” and see what else they could do for us.  You see, we realized that we were paying for nearly 700 minutes a month MORE on our cell phones than what we use on a regular basis.  There wasn’t a lower plan advertised online, but hey!  It’s a phone call and the worst that they could say is “no.”  I called and much to my surprise, they found a cell phone plan that provided us with all of the “perks” and benefits that we needed and still saved us $20 a month from what we had been paying!!  As you can imagine, we were thrilled!

Well, it didn’t stop there!  We decided that there are a BUNCH of channels on our TV that we rarely ever watch, so we gave our TV Company a call asking if they had any plans available that would match what we needed.  (We didn’t want to extend or re-up a contract at all, but wanted to drop our bottom-line bill amount.)  Much to my surprise, they DID have a plan available which offered us all of the main channels and many of the fun kids channels that Caleb likes to watch when I let him (Sprout, Disney, etc!) and it was another $20 less PER MONTH!  That means, between our TV and Cell Phones alone we saved $40 PER MONTH ($480 per year) with just a simple phone call.    Neither adjustment really changes our normal life at all, but we can do a lot with an additional $40 every month!  (Not to mention an extra $40 this month to spend on Christmas gifts – YAY!)

Here’s the point.  It’s easy to get roped into the biggest and the best products, thinking that we need all of the bells and whistles that are offered.  Many times, though, we just don’t end up using those ‘bells’ as originally thought.  Perhaps its time to take a look at your cell phone bill and see how many minutes you’re ACTUALLY using on average every month, compared to how many you’re paying for.  Just because “unlimited” sounds great, doesn’t mean it’s necessary!  Who knows!  Maybe you just want a landline phone to use for emergency situations, but you’re still paying $30+ for that service!  Why not check out magicjack.com and do away with your monthly phone service altogether!  (Disclaimer: I haven’t ever used magic jack myself, but have heard rave reviews.)

As Christmas gets closer, and we’re all trying to make “miracles” happen with our gift-giving, why not look at other areas of your spending first to see where you can free up some money without making any sacrifices.  You’ll be glad that you did!

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