SWMBO carries a cell phone "for emergencies" ("Don, I've got a flat
tire" "Do we need any linguini for Friday supper?" etc.) She
puts $100 of credit on it each year (else she loses any accumulated
credit -- or something like that. I think it now has several
hundred dollars "on account" as she uses it so little!
OTOH, $8/month (total!) is a small price to pay to be able to
make a call in an emergency!
It's 10-cents a minute and minutes rollover. Per minute cost doesn't
matter if you're not using them.
I have a Lycamobile phone plan where prepaid minutes don't expire.
I put $10 on it two years ago. Must have been too many doing that,
becuz, I think they don't offer the non-expire plan any more.
SWMBO got her phone many years ago when she was making regular trips
to Utah -- many parts of that trip have spotty coverage, at best. We
did a fair bit of research to find the carrier(s) -- at that time -- that
would be able to cover her trip. A phone that gets "no signal" isn't
much of a bargain -- esp when the nearest "service station" may be
the better part of an hour's drive!
In town, it's almost silly to have one as you can *walk* to a service
station or some other "open to the public" business in a pinch.
Yep - same here.
My first personal cell phone was also my retirement cell phone.
~ 4 1/2 years in - $ 500. spent $ 180. remaining.
It's an OK little flip phone - still has good battery life.
Using a gas station's pay-as-you-go < PetroCanada >
which uses the Bell Canada system. Voicemail, cheap texting,
and I transferred my long-standing company-cell-phone
number when I retired - a big plus at the time !
I haven't heard of any better cell phone options for low-usage.
My bank was offering a bonus if you made X number of charges less than
$10 on your debit card in one month. The idea was to get you in the
habit of using them for everything as they get a percentage.
I rarely use plastic for anything less than $100. Sometimes you can get
a better deal with cash too!
I think it's weird when someone pulls out their Mastercard at a grocery
store to pay for a dozen donuts. I really get upset when the charge is
refused and they have to hunt up another card that might have a little
life in it. For a real fun time get in line behind someone with an EBT
card and a pocketful of dead plastic.
I just write a check. The last car I bought the salesman kept launching
into his financing deal even though I'd made my intention to pay cash
clear. He just couldn't help himself; it was part of his programming.
The last time I financed was back in '80 when they had a $99 down 0%
deal to try to move cars off the lot. It was GMAC's money and boosted my
I'ts just how I was brought up. You save the money and then you buy what
you want; you don't go in hock for it.
The *worst* is someone who fishes around for a checkbook...
then starts hunting for a pen...
then thumbs through *carbons* of previous checks to find check #7125...
then starts writing out the check...
then discovers that the ink cartridge is "retracted"...
then discovering that the pen is *dead*...
then hunting for scrap paper to "scribble on" to "reprime" the pen...
then asking the cashier for a pen...
then asking who the check should be paid to...
and, EVENTUALLY, getting *pissy* that someone waiting makes a comment about
how SLOW they are!
That really burns my butt at Costco. You sign the check and the cashier
runs it through the machine that prints the rest but you always have
half blind, half senile Aunt Millie trying to fill it out for herself.
Or, someone who has decided they've "spent too much" (?) and then
starts an amusing game with the cashier -- trying to figure out
which items they can "leave behind" to adjust their total
downward to something with which they are more comfortable.
Of course, they can't do mental arithmetic (else wouldn't have
got themselves in this bind -- *addition* being much easier
for most than subtraction) so, they can't just ask the
cashier how much a particular item (i.e., candidate to be
"left behind") costs but must actually have the cashier
elide it from the current total, recite the *new*/adjusted price
at which time they will select other items to "process",
similarly. Along the way, deciding to add some items BACK INTO
their purchases as others have brought the total down to
a point where they can now "afford" these.
And, we won't get into the ones who blissfully drag a cart FULL of
items into the "10 items or less" lane. Then, when challenged,
start with a justification along the lines of "I'm 84 years old..."
as if their age entitles them to some special treatment. I am
sorely tempted to jump in with "OhMiGosh! Then, why are you
*here*?? You'll probably DROP DEAD any second now! Wouldn't
you want to do that in the comfort of your own HOME? Surrounded
by all your CATS???!"
["god", if I live that long, PLEASE don't let me become one of these
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