I have a new phone. Some of you are probably shaking your head and thinking, “Big deal.”
It is, for me. I tend to keep the same phone for many years. Same story with my car.
But the phone I had was a lemon. The first time it started to mess up, I Googled the problem and read hundreds of similar complaints, so I knew, it wasn’t my lemon…it came from a very prolific defective lemon tree.
By the time I went to get a new one, my 2 years contract was about up, so I figured, no biggie, I sign for another 2 years and get a decent, reliable phone for about nothing. Wrong.
I was told that’s not how it works these days. You don’t sign a lengthy contract, as for the phone, you either pay the full price up front or you make 24 monthly installments. In other words, they have you for two years unless you’re ready to cough up the cash up front. We are talking $500+. Ouch.
My instinct said, “Pay the damn $500. You’re not going to let a phone company own you for 24 months, right?” And I had already fished out my check book from my purse, but then stopped. And decided to do the monthly payments. I dragged the kid there with me to make sure I wasn’t going to get another lemon just because it was sooo pretty. Still talking about the phone, yes I buy phones based on looks…the kid who knows me well, said, “I was a bit surprised you signed up for the monthly installments. Any particular reason?”
“Since I’m not paying interest, in a way I’m using their money.” I explained. “But that’s not all. Suppose something happens to me…you know, suppose I die. It will be a used phone, worth very little. However, if I die while making payments, well, you kids get a free a phone because they can’t collect from a dead subscriber. Clever, right?”
Silence. I was driving, but I could tell he was shaking his head, “It’s not clever. And it’s a girly phone. We are all boys.”
Next time I’ll get a gender neutral phone…