Last January, I got a new phone. I'd never gotten insurance on my phone before, but after hearing that they would replace the phone, no questions asked, I thought it was a pretty good deal. So I got the insurance and have been paying my premiums faithfully ever since.
A couple days ago, I accidentally dropped my phone and my display went dead. I took it into AT&T who told me it was covered by my insurance. I was ecstatic. I called the insurance company to file a claim. "Sure, we can send a new one in the mail right away!" the associate promised. But if you remember, I got my insurance license last September so I'm a little more informed and knew to ask about the deductible. It was $125. Did I mention that after my rebate the phone cost me $99?! So the deductible plus the sum of my premiums ($75) was twice what the original phone had cost me.
To add insult to injury, they were going to send me a refurbished phone and while they could give me a Blackberry, they couldn't guarantee that I would receive the same model phone as I'd previously had.
What are you paying for that isn't financially beneficial?
By the way, you should have completed (or be very close to completing) your 3-month financial goal by now. How are you doing?
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