Caty
We gave up our home phone for cell over 2 years ago. Haven't missed the home phone or unwanted calls either. With the right plan you will save money.
Can certainly understand making the necessary adjustments to changes in disposable income. Few in this group have a income lower than us or work career as varied also Jo-Lee is partially disabled and had to quit her job. I have been laid off for 11 out of 27 years at the mine where I presently work. This came in groups of 3 and 8 years causing major adjustments for lengthily periods. My varied work career included Army paratrooper, logger, truck driver, carpenter, oil exploration, state snow plow operator, high school activities bus driver and labor through plant manager in large waferwood and particleboard plants, deputy sheriff, 10 years voluntary fireman, used up the G I bill attending night school at Jr College while moving 24 times and raising 3 children. At present we're debt free, including home, c-dory and other toys. The point of all this is to show we do understand having to adjust to varying incomes. I did acknowledge the savings you suggested and that should provide savings for some of the group. I just feel insurance companies are in business to make money off our fears of loss. Some of these fears are justified because there is no way for us to replace our losses or at least without considerable hardship. The things we can afford to replace by not insuring helps us keep more of our disposable income instead of contributing to the insurance company profits.
Jay
