Dumb Phone, Smart Money

My two-year contract expired, and I traded in my smart (HTC Android) phone for a “dumb” phone.  The main reason was to save money: I will save $25/month by being able to drop the data plan.  That’s a savings of about $340/year including tax.  I enjoyed my Android phone, but I also have an Android Tablet with wifi only (and a 10.1″ screen) so that satisfies my Android needs.  Of course my laptop has wifi which allows me to write this very blog in a coffee shop.   I just don’t need a smart phone, and $340/year in savings is not insignificant.

I will divulge that I have been much less vigilant with my spending habits this year.  Since my girlfriend and I have stable, high-quality jobs and our financial strategies have been reasonably successful, it has been easy to indulge a bit.  One indulgence has been adopting two wonderful rescue dogs.  We spoil them, and they eat a lot.  I figure they collectively cost $4000/year.  We enjoy their company greatly so the price, while steep, is worth it to us.

I used to be a master of savings.  Now I am merely pretty good living below my means.  I still have the extreme saver know-how, but I am no longer living the extreme-saver lifestyle.  I am living the disciplined saver lifestyle.  I say this because I am sensative to the fact that my finance blog readers are in a wide variety of financial positions.  I am a strong believer in living below your means, especially in your accumulation (savings) years.

Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>