photo credit: Leonid Mamchenkov
For several months, I’ve been debating whether or not to get a Blackberry. While it would definitely be a great convenience, it isn’t a NEED. While I can justify the purchase price by using my ‘fun money’, I can’t justify the increased monthly bill. I currently pay $30.80/month and the Blackberry plan would increase that amount by ~$27/month. So what’s a girl to do?
My own self-imposed solution is that I can’t get the Blackberry until I figure out a way to increase my income by that $27/month or decrease my current expenditures. I could pretend that if I got the Blackberry, I would decrease my clothing or dining expense by $27 each and every month but I know that’s not true. Therefore, I assigned myself the task of finding a FIXED and MEASURABLE expense to decrease. I decided to attack one of the ‘heavy hitters’ aka car insurance.
Somehow I discovered (I think it was through another pf blog) that AAA offers car insurance. I had no idea. I submitted a quote through their website and an agent responded to me the next business day. The AAA premium is a whopping 28% less than what we currently pay and the coverage is comparable. That would cover the change to my monthly cell phone bill and then some. I haven’t pulled the trigger yet though, because I want to verify that AAA can provide our umbrella insurance as well. We currently use the same provider for auto and umbrella insurance and I’d like to keep it that way.
What tips and tricks do you use to get what you want while keeping your financial ship on course?