web cams/skype/refinancing/ insurance
When looking over my budget I seem to notice that a majority of our expenses are more of wants than needs. I can honestly say that for the most part these aren't things that I feel like I need but rather my husband does. Because my husband is going to deploy soon I have thought about cutting some costs. We both have cell phones, so we have no need for a land line. I was thinking about suspending the service on both of our cellphones (they are in his name) while he was gone and using skype. The price of $2.99 a month for unlimited calling seems quite attractive to me, especially when you get a nice discount when you subscribe for a year. The fact that it provides free skype to skype and video chat is also an attractive quality. However I'm pretty new to this and when I go around looking for "skype in" it brings me to the same page as the regular skype out subscription. Is the $2.99 subscription price for skype in and skype out? Or am I missing something here? Also I read something about buying an internet phone number from them. However I can not find any information on this other than "$30 off with a subscription". How much would one of these cost? Any reccomendations for nicely priced and nice quality webcams/headsets for skype? My husband is supposed to be on a hard base, and we think he will have internet access on his laptop. This would really bring the bonus in because well he'd get to see our boys on the daily basis. I decided that the day he leaves that cable will be gone. Right now we use it to watch Law and Order repeats and he uses it to watch wrestling. I can live with out both, and I like watching the on demand type deal netflix has anyway. Since he will be gone, no one will be riding the motorcycle. Is there any possibility that our insurance will go down if I report this to the company? I plan on using any extra pay to pay off our car loan, credit card, and motorcycle loan (interest lowest to highest). I was thinking about paying off the car and credit card loan off first and maybe refinancing the motorcycle when he gets back. The reason being that I know I can not pay off the motorcycle before he gets back anyway but the car and credit card seem like I should. I figure that I could put a little extra toward the payments (we already are) of the motorcycle too. Does this seem like a good idea? Any general frugal advise would be much apprechiated also.