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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Maybe you can shop for cheaper home ins & car ins ? We found erie is the cheapest for us. Home & 2 cars for $1600 per year ( home is 1M value for replacement cost ) If you pay for internet like $35 per month, get ip phone like nettalk for $40 a year. Nettalk customer service is bad but the phone is working OK of us. Get 1 cell phone from free from H2O with pre-pay service like 5 cents per minute. $100 is valid for 1 year & pay for other 4 phones & $100 can be used for all 5 phones. Only use cell if you must. At home, you can use nettalk. Good luck.[/quote] I am wary of super cheap car and auto insurance; when you need it -- you NEED it. Right now we have Geico and State Farm. Heard good things about Amica and will look at that. We only have a landline phone for emergencies (ie, derecho and having 911 work if kids are home alone). We could use that exclusively with Google Voice for unlimited national calling and use cell phones less, but really any modern adult needs cell phone b/c the way plans are more fluid and payphones have disappeared. we like the idea of prepaid phones though so will look into it; but i feel this is nibbling on edges; are groceries and fuel expenses about nominal for family of 4?[/quote] Why not go to Tmobile like I suggested upthread? I pay $117 a month total (including all taxes and fees) for unlimited calling, text and 4 gigs of data per phone. I think you can add another line for like $20 so that puts you at around $135 per month. Your bill will be less if you're a fed and can get the govt. discount. That's an easy $100 savings without feeling any pain.[/quote]
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