The Day I Stopped Using My Fitbit

I recently started making a conscious choice to change my habits when it comes to technology. I have been staring at my phone too long, losing hours to mindlessly web surfing. I jumped at every message that came in, and even started my day using my phone as my alarm clock, which inevitably led to more staring at the screen as I used that as an excuse not to face the day. The final straw was when I was sitting in the dentist’s chair and saw a poster on the wall advertising the latest electronic toothbrush. The thing comes with an app that you can use for – who cares what you can use it for. I was almost angry when looking at that poster. The last thing I want is to need my phone to use my toothbrush. What on earth have we become?

This inspired me to start thinking about all of the ways I have been using my phone out of habit. I even brought it to the office gym every day when I would work out at lunchtime. Why on earth do I need my phone at the gym? I don’t. Sometimes when I run on the treadmill, I don’t mind having tunes to keep me occupied, but normally I work out with other people. I don’t need the phone to do the workout. Someone else is usually willing to stream music while we exercise, and take a group picture after we’re done. And if we miss out on those things, oh well. Small price to pay for being untethered.

Plus, I found that when I had my phone with me, I would linger before showering to check email, scan Facebook, and generally waste time. It was getting ridiculous.

So, one day, I left my FitBit at home by accident. I got halfway to my car, thought about going back for it, and then thought, nope.

It was that simple. That was two weeks ago and I haven’t touched it since. I haven’t charged it. I haven’t synced it. I haven’t missed it.

When I first got the Fitbit, I enjoyed using it to connect to others. Then I enjoyed using it to compete with others. And then I enjoyed using it to compete with myself.

However, after not too long at all, I realized that I was starting to feel obligated to stare at my phone to sync my steps at least once a day, if not more. And when I started working out with the group at lunchtime, those strength workouts didn’t add up to nearly as many steps even though I was getting better exercise. I found that thanks to those daily workouts, I was getting more than enough fitness and really didn’t need to overwhelm myself with trying to get in more steps.

I certainly wasn’t going to feel obligated to then walk an arbitrary number of additional steps just to meet … what? Whose goal, exactly? Daily step goals are great to get you out of a rut. They’re interesting to see how far you go on a day when you’re on your feet a lot. But walking a minimum number of steps is merely one way to work exercise into your day. It’s certainly not the only way.

While the FitBit can be a gateway to developing newer, better fitness habits, I found that it was also a gateway to developing an unhealthy phone addiction.

To cap it all off, today I received an email from Fitbit alerting users to a recent data breach. Awesome. I knew while using it that I was wearing a GPS tracking device. I was aware of how much information I was choosing to upload to the magic cloud in the sky. But all the same, with so much of our lives happening digitally now, it is time for companies like this to step up their security game, and protect their users. Basic respect for privacy, within the limits of what we choose to share, is not an unreasonable expectation.

All signs are pointing to no more Fitbit. And I am very much okay with that.

How I Got Through College Without Crippling Student Loan Debt, aka Thanks, Mom and Dad

This morning, I read yet another “how I wound up with a bajillion dollars worth of student loan debt” article. And I experienced my usual reaction: it’s not as if the cost of tuition or the cost of interest on the loans were a surprise. No one did that to you. You made a choice. If you don’t want to end up with crippling debt, don’t borrow the money.

Then, I thought back to my own college experiences, and about the choices that I made that allowed me to graduate debt-free. And I realized that it’s an easy thing to point debt-free fingers now, but important to remember that when you’re 18, 19, 20 years old, there’s no magic place from which to get the information you need to make smart financial choices. The learning curve for how borrow responsibly and manage debt can be steep.

After one year in college, I wanted very much to transfer from my affordable state university to a fancy private school in my dream city. My parents, who were generously paying the full bill for me to attend said state school, were not happy about this decision. They didn’t really understand it. Neither of them attended a residential college. My dad commuted to his school while living at home with his parents, and my mom didn’t go to college, instead working to save money while dad was in school. “That’s just what people did,” mom always said.

So, the idea of eschewing this incredible free (to me) thing – a full ride, including room and board, at a well-regarded university, in favor of a much more expensive degree at a school that they regarded as essentially the same only this one would require plane tickets to get me there and back and a much higher price tag – was unthinkably bizarre to them.

To me, the allure was living in the brand new city, spreading my wings, and experiencing life. The school had a unique work-study program that would have allowed me a structured way to get significant work experience under my belt by the time I graduated. It also involved moving away from home, which had a lot of appeal.

My parents only saw the price tag: Fancy Private School cost a whopping three times as much as Perfectly Fine State University. My parents were willing to continue paying the same money they had set aside for me to attend Perfectly Fine State University, but I would have to come up with the balance on my own.

I knew even then that coming up with that amount of money was not going to be easy.

I was disappointed. My dreams of living a grand life in Fabulous New City were crushed. Darn my parents and their practicality!

I stayed at Perfectly Fine State University and learned to make the best of it. I made good friends. I found my own work-study opportunities.

I’ll be honest – it was a long time before I was able to let go of the big idea of attending Fancy Private School. I can look back on it now, twenty-plus years later, and see the benefit of my choice to stay at Perfectly Fine State University as I am able to move forward with my life enjoying the lack of crippling debt that an expensive undergraduate education would have cost me.

What stopped me from taking out loan after loan and [insert dramatic emphasis] going after my dream of attending Fancy Private School was not logic or understanding of personal finance. It was, quite simply, my parents.

It was seeing how stressed my mother was at wanting so badly to help me have the thing I clearly wanted but knowing she couldn’t afford to send me there. (And, to be fair, my parents gave me a pretty nice life. It’s just that the Thing That I Wanted was ridiculously expensive and unnecessary.)

It was sitting with my dad in the hotel room in Fancy New City when he took me there to visit the school (and probably hoped to show me that it really wasn’t all that different than my Perfectly Fine State University. To me, though, Fancy New Private School was all glitter and rainbows). After going on a tour of the campus, we went back to the hotel, and had a chat. That’s when he said that he and my mother were prepared to continue paying the same amount of money they had planned to pay to send me to Perfectly Fine State University, and that if I were serious about attending Fancy Private School, I was going to be responsible for coming up with the difference in cost.

“How are you going to do that?” my father asked. I had no idea. I had a vague awareness that other people took out loans. I thought I could do that, too! My dad explained a bit about how long it might take to pay off that amount of money. He talked about how difficult it might be for me to borrow the amount of money I needed, because he was not willing to co-sign a loan or sign the student loan paperwork that would require me (him) to divulge his salary and other assets to the federal government.

I was stumped. How do other people do this, I wondered?

I still don’t know for sure how people finance that kind of expensive anything without help. Through massive interest rates, most likely. Perhaps they do have a parent or other family member willing to co-sign a loan. I truly don’t know how people even get that kind of money to borrow, let alone figure out how to pay back, without any participation from their parents, as nascent young adults without an established credit history.

What I do know is that it was hard enough to figure out how to live on my entry-level paycheck for my first job out of college without loan payments to make. I don’t see how I could have gone to graduate school with that kind of debt under my belt, either. Or bought a house. Or saved for retirement.

Do I wonder, every now and then, what life would have been like had I been able to move to Fancy New City and attend Fancy Private School? Sure, I do. Am I grateful that I had parents willing to help me put the brakes on and make a more sensible decision that would affect me long-term? Absolutely. I realize that not everyone has that kind of support built in, and I try to keep that in mind when I read yet another article about someone who took on hundreds of thousands of dollars worth of college debt without realizing just how financially crippling that would be. Sometimes, people really don’t know the effects of a decision like that until it’s too late.

The Day of My Defense

The day of defending my doctoral dissertation, I arrived on campus several hours early to go over my notes and calm my nerves. I had planned to spend a few hours practicing my talk in my private library study room. I walked in and noticed that someone else’s things were in the room. While the rooms were designed to accommodate two people, I had had the space to myself for years. No problem, though, I just figured I should grab a second chair in case my new roommate came to use the space. Even after completing a defense, there were still several months of revisions that were possible, and I wanted to be prepared to continue using the space during that time.

I walked down the hall to the library administration office and introduced myself to the administrative assistant. I asked for a second chair so that my roommate and I could both be accommodated. She seemed confused by this, and looked up my room assignment.

Her demeanor quickly changed to one of accusation. She said her records showed that I graduated several years prior, so clearly I had been using the room and my key card against regulations all this time.

Now I was confused. Obviously, I’m still here, I pointed out. I have not graduated. I am using the room as assigned.

She insisted I was abusing the privilege of using the room and was not supposed to be there. Meanwhile, I had a dissertation to defend and no time for this nonsense.

We left it with her saying she would follow up later, and me going back to the study area to complete the preparations for my talk, and to calm down.

This encounter was not, unfortunately, unusual at my institution. In my years there, I had encountered numerous instances of poor processes, rude individuals, and red tape with the library, financial aid, registration, my academic department, the graduate school, my dissertation committee … the list goes on.

Bottom line: the school should have offered support of my preparations for my defense, not obstacles. And yet here I was, on the day of my defense, the day to which the university had a vested interest (one would think) in encouraging me to meet with success, and I was dealing with yet another argument, yet another difficult and incongruous situation.

As annoying as the library experience was, though, I had no idea of what kind of obstacles were waiting for me at the defense.

I walked into the conference room prepared to give my talk. My dissertation advisor, Professor K, came in. A few of my classmates joined us. One by one, my department chair arrived, then the program advisor, then one of my other committee members, who also happened to be the Dean of the Liberal Arts department.

My third reader was missing. The hour was upon us. No sign of her. The air in the room was getting thick with tension. What professor is this kind of late to their student’s defense?

My advisor went to find her. More time passed. She came back in, whispered something to the department chair, and they left the room together.

An eternity passed. It got awkward, as my classmates and I all knew something was wrong but didn’t know what and had no clue what to say to each other. The department chair finally came back in and asked everyone other than my second reader and the program advisor to leave.

Finally, my third reader, Professor N, came in the room. She sat down across from me and looked uncomfortable.

I found out later that she had told my advisor earlier in the day that she wasn’t going to attend, and that she had no intention of signing off on my work. My advisor opted not to warn me, thinking that she only needed a majority of signatures on the dissertation for me to pass, and so she was going to let Prof. N. abdicate from signing.

So there I sat, with no earthy clue why one of my committee members was so rudely late or so awkwardly pulled into the room.

Prof. K told Prof. N that she needed to explain herself.

“I’m not going to sign your dissertation,” she said. She didn’t feel it was scholarly, and wasn’t willing to put her name on it.

Silence.

Remember, that also at that table were the other two members of my committee – one of whom was the Dean and the other was my committee chair, who was a tenured, senior professor – along with the department chair and program advisor. These were exactly the people you might expect to speak up for a student in such a situation. Yet not one of them said so much as a word. They simply looked at me and waited for me to respond to this bizarre news that – for me – came out of nowhere.

I distinctly remember a moment of absolute clarity during that silence when I realized this one thing: no one in that room was going to speak up on my behalf. The only person in that room who was going to speak up for me was me.

There was a time in my life when confrontation like this would have sent my crying out of the room. I would have simply retreated, having known no other way to respond.

But in this instance, it was as if the last seven years flashed before me. In my third reader’s refusal to sign my work, I saw everything I had done to get to that point. I saw the years of lost earnings while I worked part-time and gave up a career in marketing, along with the years of increased salary that staying in that field would have brought.

I saw the time after time that I was told my work was good, that I was getting close, that surely I would graduate next semester, only to be yanked back again and again because someone else had decided that the work just wasn’t ready.

I saw the end of my marriage, which had crumbled during my years in graduate school. The relationship didn’t end due to my being in school, but my earning a degree that he wanted while not being able to get into a program himself slowly chipped away at our partnership and began revealing the weak places.

No. Just, no. She did not get to take away the last seven years of work, and stress, and isolation. She did not get to take away my ideas, and my writing, and my progress. She did not get to erase my scholarship.

I looked her square in the eye and said:

“I have been working with you for years. I have made every change you have asked for. I have read every book you suggested. You wrote me a glowing letter of recommendation, praising my ideas. I consulted you on scheduling this defense and you approved our meeting today. If your feelings against my work were this strong, why is this the first I’m hearing about it?”

More silence. She was stunned. I think everyone else was, too. She then had to explain herself, and really couldn’t, because there was simply no acceptable explanation for her behavior.

She tried to say that the problem was the font that I had chosen. That’s right: the font.

The graduate school had a list of acceptable fonts from which to choose, and I picked one off the list that several classmates who had graduated before me had chosen. She had recommended I choose a different one. That is the one and only change she had suggested over the course of years that I did not implement, because I had followed the rules and, frankly, had had it with being jerked around here, there, and everywhere doing everything my committee members said I should do instead of being expected to think for myself. I picked an acceptable font, she said her suggestion was just a personal preference and not a requirement, yet here we were.

I was then told that I had a choice: I could accept that she would not sign my dissertation and be ABD forever, or I could start over from scratch with a new topic that would likely require a new committee.

I said neither of those options was acceptable. I had done everything required of me. This was insane.

She then said the other option was for me to replace her with a different third reader, potentially making the changes that person wanted, and risking that the new third reader would not be happy with my progress. My chair had some names in mind of who might be a suitable replacement. Fine. If that’s what I have to do, I’ll do it. Prof. N was officially excused from serving on my committee.

I somehow made it through that entire ordeal without crying. To this day, I don’t know how. I know my voice wavered. I know I looked upset. But I did not cry.

I did not cry when I got to my car and started texting the friends who were going to meet me at a restaurant to celebrate, telling them that the party was off.

I did not cry the entire hour drive home.

I walked in my front door, grabbed the mail, and saw a card from a dear friend. She had timed mailing it to arrive on just that day, to congratulate me on my hard work and for finally, finally finishing my degree.

That’s when I broke down. I’m not sure how long I stood there in my living room, sobbing. I eventually got myself together and realized that one friend who didn’t have a cell phone and who was driving from a different state, was probably at the restaurant. She was. I met her there. I’m glad I did. The whole party was not something I could handle, but a drink with a close friend was the perfect thing.

I took a deep breath, and then another. I had come this far, and I was going to finish that degree.

Complacency Will Cost You

A few years ago, I went to the Verizon store with my mom just after Christmas. After years of resisting technology, she had just spent several days in the house with me and my sisters as we all shared photos and texts among one another. Mom felt a bit left out, and decided she was ready for a smartphone. We were thrilled.

Once in the store, we helped mom pick out a phone that would best suit her needs. The salesman then described the data plan. He offered her the same data plan that I had, but for $20 less a month.

“Hey, wait a minute,” I said. “I have those same levels of talk, text, and data, only I’m paying X.” The salesman got my mom set up with her new phone and then took a look at my plan, and found a way to match her deal. By speaking up at the right time, I scored a plan that was $20 cheaper each month, for the same amounts of service.

Fast forward to this year. I went in to the Verizon store because I was having an issue with my phone and needed some help. The salesman was able to help me with my concern, and then asked if he could look up my plan. I thought for sure he was going to try to sell me some new expensive deal. Instead, he offered the opposite.

Plans had changed over the previous year, and he could offer me the same amounts of talk and text (unlimited, for both) with more than double the data, plus monthly carry-over data, for less money each month.

I had my skeptical face on as I asked for the catch.

“No catch,” he said. The plans had changed since I last checked in, and as long as I stayed on auto-pay billing, I could have the cheaper rate.

Granted, I don’t have the latest model phone, but I bought it new (and for cheap, since it’s an older model) just a few months ago so it should last a good while. And I now have an even less expensive cell phone bill than when I matched my mom’s rate.

Lesson learned. Every year I’ll check in with my cell phone carrier to inquire about current plans and see if I’m eligible for any changes. I may not always be eligible for a discount, and there is certainly no secret or rocket science involved here, other than the importance of being vigilant and the willingness to have a conversation and ask about my options.

Finance Series: Step 1 – Open an IRA

So, you’re well into adulthood and have saved nothing for retirement? Don’t worry; you are not alone. According to the Economic Policy Institute, more than half of Americans have saved $0 for retirement. According to Time magazine, the number is more like 1 in 3 Americans who have saved nothing. Either way, that sounds awfully bleak, doesn’t it?

Do not despair. Believe it or not, there is still time to get started on saving for retirement, regardless of your current age. Can I tell you exactly how much you need in what types of accounts so you can retire at X age? No. That’s what financial planners are for. But I can tell you about my first steps towards saving for retirement and how they helped propel me forward.

The one main and true key to any investment strategy is to internalize this one fact:

The key is to save early and save often.

I know. I just acknowledged that you are no spring chicken. So how, you may be wondering, does this “save early” thing work for you?

Easy. The key isn’t to jump into your TARDIS and start saving from childhood (though that would be great. Also, who wouldn’t want a TARDIS?). The key is to realize that today, right now, you are in the best possible standing when it comes to saving for retirement, more so than any other time yet to come in your life. And if you don’t start saving today, that’s okay, because tomorrow is the next best possible time to start saving for retirement.

See what I did there?

The point is to embrace and accept that the amount of money that you save and where you put it are just the details. The important thing is that you begin. Today, if possible. Even if a little. Because you and I both know you can spare $5 a week. Or $20 a month. Or $5 a month if that’s where you are in life. That’s okay! The amount doesn’t matter. What matters is that you open the account and set it up to automatically have money go into it.

Now, where should you put your precious dollars? I’m so glad you asked.

Get thee to your nearest bank or credit union and open an IRA.

Yep, it’s that simple. No research needed. Sure, there are lots of details to be learned later about different IRAs and investments and yada yada. Do not worry about that today. Money can be moved all around, there are all sorts of options, you are not tying your hands by doing this. Instead, you are doing two things:

  • Creating a habit
  • Putting your money somewhere safer than the stock market but not as low-interest as a traditional savings account – perfect for developing that habit and saving something meaningful without losing your shirt.

Big bank, little bank, credit union – doesn’t matter. Wherever you currently have a savings or checking account has IRAs that it offers to members.

IRA stands for Individual Retirement Account and it’s a type of savings account for money you don’t plan to need for a long, long time. It generally has a higher interest rate than a regular savings account, and has some rules where you can’t easily withdraw your money. That’s a good thing, because it forces you not to spend your money until much later.

There are two kinds of IRA: Traditional and Roth. At this stage of your savings game, it really doesn’t matter which you pick. I started with a traditional because when I started investing, Roths didn’t exist. Yeah, I’m old. These days I have both a traditional and a Roth IRA, plus some other things. It’s good to diversify and have money in different places. But when you are just starting to save for retirement, don’t worry about that. Baby steps, friend. Baby steps.

The difference between the two has to do with whether you pay taxes on the money now or later. That’s really up to you, but you wouldn’t be reading this post if you already knew everything about IRAs. I’ve included a few links below to some good sources for more information, if you’d like to read up, but in all honesty, it doesn’t matter which you pick. The key to is to get started building your new investment habit, and both Traditional and Roth IRAs are a great way to do that.

So, your homework: Go to your financial institution. Tell them you want to open an IRA. Tell them you want to set up automatic deposits into the IRA in the amount of $X every $X (how about $10 per paycheck to start?).

They’ll have you fill out some forms. You’ll sign a bunch of things. Be prepared to show your driver’s license, and name a beneficiary for the account. Then, every month, watch your statement and see your account balance grow. You won’t even miss the money you’re putting in there, I promise. You’ll thank me for this when you’re old. And in coming blog posts, I’ll go into more detail about other things you can do with IRAs and other ways you can invest and earn a bigger return, but one thing at a time, grasshopper. One thing at a time.

To do a bit more reading on Traditional vs Roth IRAs, here are some reputable sources:

https://investor.vanguard.com/ira/roth-vs-traditional-ira

https://www.nerdwallet.com/blog/investing/roth-or-traditional-ira-account/

https://www.fidelity.com/retirement-ira/ira-comparison

Additional sources for this article:

https://www.cnbc.com/2017/06/13/heres-how-many-americans-have-nothing-at-all-saved-for-retirement.html

http://time.com/money/4258451/retirement-savings-survey/

 

My Journey to the PhD

Every so often, I am asked about my experience earning a PhD. Typically, the questioning comes from someone who wants to embark on earning the degree himself or herself. I feel an obligation to be honest, and to say that, given my experience earning that degree, I do not recommend following that path. That advice is usually met with surprise and disappointment. The truth is that earning a PhD was one of the most – if not the most – negative and unsatisfying endeavors of my life.

In one important way, I grew from the experience. I am a stronger person now, and have much more confidence in my own intellectual and professional abilities. But I learned those things in spite of my journey to the PhD, not because of it.

Earning the degree sounds so romantic and important, doesn’t it? Along the years it took me to earn the degree, I would try to talk to people about my concerns, my fears, and eventually, my nearly soul-crushing experiences. I was always met with, “But then people will call you Doctor!” and the even more frustrating, “But who wouldn’t want to hire you with a PhD.”

Here are two truths about having a PhD:

  1. Most people do not call you “Doctor,” and the people who insist upon being called Doctor by others are generally self-important jerks.
  2. Many, many people will not hire you because you have a PhD. The degree is overkill for a lot of jobs, and there are so few that do require it that getting one of those jobs in your field is virtually impossible. I know an awful lot of people with PhDs who are underemployed or who left academia altogether because they needed to earn a living and couldn’t do so in their chosen field.

Sure, I’m now in the top 2% of Americans in terms of education*, but so what? I also lost ten years of earning potential and career-building time while I put life on hold to earn that degree.

If the path to earning the degree had been satisfying in some way, that would have helped, I think, but the endeavor was fraught with frustration, red tape, insecurity of others, and lack of program structure and leadership. For a long time, I thought that my experience was unique to me and to my program.

In hindsight, though, I have met with plenty of others who have similar stories at different institutions. There is a whole community of us who love English language and literature, who went into the advanced study of our favorite subject out of love of story and humanity, and who are now limping towards creating a professional life that tries to reclaim that love. I feel it is time to write about some of those experiences, to share the truth of that experience, and in doing so, to move forward from it.

I do not write these stories to cast a negative light on my university, which I will not name in this space. This is because I do not believe that the challenges I experienced are unique to my institution. I also do not write these stories to influence anyone to making one decision or another. Pursuing an advanced degree might be the right path for you. My purpose here is to share my own experience in an effort to shed some light on it. Do with this information what you will.

*http://thehill.com/homenews/state-watch/326995-census-more-americans-have-college-degrees-than-ever-before

I Saved 25% on my Internet Service. You Can, Too.

I think often of the man I met at my former job, who told me about his efforts to simply be nice and ask for what he wanted and how that usually worked in his favor. I also know, from my experience in nonprofit fundraising, that the number one reason why people give money is because they were asked. And offering a discount isn’t that different than writing a check for a donation.

So, when my new resident promotional rate ended after a year, I knew it was worth asking for a discount. And, by simply calling my internet company and asking for what I wanted, I got it. Here’s how I did it:

I was strategic: Even though my internet provider has customer service representatives available 24/7, I made sure to call during regular business hours. I knew that the authority to offer a discount would likely need to be made at the manager level, and the manager was most likely available during the business day. I also chose to call at the end of the business day, knowing that customer service reps generally have angry people calling at all hours, so I knew if I was the nice voice at the end of a long day, it might make an impact.

I was patient. I called the 800 number on my bill, knowing it would likely take many steps and probably several minutes, minimum, before I spoke with a live person. The automated system that “answered” the phone tried to get me to say what I wanted so it could route the call appropriately, but I have a strong aversion to talking with robots. I simply kept saying “I want to speak with a person,” each time I was prompted to speak until I was connected with a live human. It took maybe half a dozen tries.

I was polite. When the woman who answered the phone asked how I was doing today, but she was working from a script. I wasn’t, however, and my kindness was sincere. I said that I was just fine, thank you very much, how are you? And when I asked that question, I meant it. I think my friendliness surprised her, and set the tone for the rest of the interaction. Would she still have been willing to escalate my request had I been rude? I do not know, but I have a hunch, given my experience working in customer service, that my politeness made an impact.

I was direct: After we exchanged pleasantries, I simply told her why I was calling: “My one-year new resident introductory rate for internet service has expired so now I am being billed at the higher rate. I’m calling to see if there are any promotions or other ways I can reduce my monthly bill without reducing my level of service.”

That’s right – I told her I wanted the exact same product, but for less money. I made sure to say it nicely. I knew that she was likely not someone who could authorize such a thing, but that someone there could. I was right.

I was prepared to repeat my request. The nice customer service lady asked if I would mind if she transferred me to the Customer Solutions department. I said not a problem, that that would be terrific. She placed me on hold for a few minutes, and then a new person was on the line. I repeated my request to him, again just as nice as I could be.

I used all available information. I had recently received a promotional letter in the mail offering service with this company at a steep discount than what I was currently paying. I did see the fine print saying this promotion was for new customers only, but I knew that if they offered this deal, perhaps there might be other deals for which I did qualify.

My new customer service rep asked me a few questions to clarify what I type of service I wanted (nope, I’m not interested in adding cable or a landline to my service, thanks). He confirmed that the that promotion I received in the mail is for new customers only and involves internet access at lesser speeds than what I currently use, but that he would be happy to see what else may be available.

I continued being patient. He then placed me on hold for a few more minutes. I took the time to pace around the room and get in some more steps for the day. When he came back, he said he found a much cheaper plan, though it was for slower speeds. However, he could include an upgrade to my current speed for an additional charge, making the total price, with fees, about 25% less than my current bill. I said that sounded perfect.

The breakdown:

  • Total time spent on phone: 22 minutes
  • Customer service representatives: 2 (3 if you count the robot)
  • Times placed on hold: 3
  • Original monthly bill, with fees: $97.95
  • New monthly bill, with fees: $72.99
  • Monthly savings: 25%
  • Product received: Exactly the same

This rate is good for one year, after which my rate will go back up again. The customer service representative did say it’s a good idea to call each year to see what promotions or packages might be available. I intend to do just that. It’s more than worth 22 minutes of my time once a year to save $299.52 in monthly expenses!