Yes, I downgraded my lifestyle in 2011. Got rid of a lot of monthly charges on the credit card. Looked through my cell phone bill and they were charging $5 a month for Road Service. What? I have AAA road service, the best in the nation. I called up the cell phone company and told them to get rid of the Road Service and also to get rid of the phone insurance. My phone insurance now is that I bought another flip phone like the one I use and keep it in the box. That is the best phone insurance, the back up phone. I saved another $5 a month just getting rid of the phone insurance.