So I have about a month to go until the contract on my line and my mom's line is up. J's line has another year and 3 months to go.

This month, my bill was $148.77. This is an improvement (!) because I am no longer getting those $2 charges for data access (accidentally hitting the button, not actually accessing the web!). Currently, I have AT & T.

I have been pricing T Mobile this morning. I can get a 3 line plan with 1000 daytime minutes, unlimited nights & weekends, and unlimited text, including insurance, for $94.77 per month plus tax (I think). This would be a savings of $40ish dollars per month.

I would have to pay a $105 activation fee ($35 per line). To leave AT & T early will cost me an early termination fee on J's line of $150 less $4 per full month of service, which should equal $114.

If I wait, the early termination fee will eventually go away, but the activation fee will not. Meanwhile, I will still be spending an additional $40ish dollars per month.

I think it is worth paying 1 early termination fee. It is not worth paying 3, so I can't switch just yet.

How about the insurance? It costs $4.78 per month per phone. Maybe I should just get it on J's phone? That would trim another $9.56 per month.

Do you pay for cell phone insurance?