One item on your home budget that straddles the line between a “want” and a “need” is internet. You can, in some situations, get by without it. Maybe you can use the computers at work for personal use during lunch or before/after your shift ends. Maybe you live a block from a public library, and you can get a free hour or two of internet. Or maybe you have a neighbor that gives you the password to their network and says they don’t mind if you use it. Given that internet service is easily $50 – $80 a month, you could save close to a thousand dollars a year by not having it.
Having said that, most of us need at least some internet access at home. Several days ago, I got a brochure in the mail from Comcast, listing the prices for internet/phone/tv service. Here’s a snapshot:
They advise you to save money by “bundling” – also buying TV and phone service through them, but generally after your initial 6-month good deal, the price quietly jumps up. My solution? Only subscribe to what you really need. In our case, we don’t need their phone or tv services, despite never-ending pleas from Comcast.
So once or twice a year, I walk into the local Comcast office and talk to a live person . First, I let them know that their internet service works well most of the time. Then I go on to tell them (politely) that we live simply, don’t need all the bells and whistles, and will not spend more than $40 a month on internet service, and what kind of deal can we make? Amazingly, this has worked for about four years now. The customer service rep looks through the special deals they have, and matches me up with something that we haven’t already used. If they can’t find any advertised deal, they shove a paper at me to sign saying I threatened to quit, so they are giving me a special price. It generally covers six to twelve months, at which time I return to them to talk again.
Then I ask them to print me a confirmation of the monthly price, and how long it will last. Yes, they have tried to up the price on me half-way through the agreed-upon time, at which time I walked in with my printed confirmation sheet, and they corrected it. We have Blast internet – listed at $79.95 a month – for $39.99 a month. Several years ago, I was actually able to negotiate the price down to $29.99 a month!
So that takes care of home internet. What about that data on your cell phone, a.k.a., internet on the go? Two suggestions: 1) have a cell phone that has unlimited calling and texting, but NO data, or 2) turn off the data manually on your phone, and only turn it on when you really need it. By doing this, I maintain a cell phone bill of about $22 a month. If I’m at the store and need to check a price online, I use the store’s free wifi signal instead of data. The majority of stores, doctor’s offices, hospital, and public buildings now have free wifi, so make use of it.
One more thought on internet service at home: don’t rent the equipment from Comcast or AT&T. As you can see from the price chart above, Comcast will charge you $10 a month for the modem, and $10 a month the wireless device, adding $20 a month to your bill. That’s $240 a year. We bought both devices at Best Buy years ago for less than $200, and avoid the rental equipment fee.
So take a close look at your internet bills – the home one and the cell phone one – and see if you can get buy on less internet, or negotiate a better deal. Talk to your service providers. The worst they can say is no, and they might just reduce your bill.