First of all, let me say that I'm working things out financially. I think I'll be okay, and if I'm not, I'll figure it out. I always do, right?
So anyway, the phone. I have a smartphone. It is sort of the thing that keeps me together. I take notes for work in it, put my grocery lists in there, get directions when I get lost (which is often). So when my phone died a few days ago, I had a crisis of conscience- do I replace the smartphone with another smartphone, or buy something cheap, or go without?
So I called my service provider, talked to them about my phone bill, cable, internet, and then my cell. After all that talking, they knocked 5$ off my phone bill, took a 5$ "insurance" charge off that I highly doubt I agreed to, and informed me that the data plan for the phone I want was $30 dollars less than the one I have (why, I have no idea). So just like that, I saved $40 a MONTH off my bill, all by breaking my cell phone! By the way, that's 480$ a year. Seriously!
So no matter how financially savvy you are (or think you are), there are always negotiations to be made. And no matter how screwed you think you are (or really are), there's very rarely NO WAY out. It just takes some faith, some creativity, and a little congeniality to boot.