How I put a $1700 dent in our budget with a simple error


Asus desktop with 4th Gen intelcorei7, 16GB Ram, 2TB Hard drive and Windows 8

Nothing Lasts Forever If You Are Careless

If you follow me here at Canadian Budget Binder you know I am a big fan of having an emergency savings fund and using a budget. Every month I post our budget and net worth update to show how we made out for the month and areas we need to improve on or we feel we are on target or exceeding with.

Unfortunately not every month is going to be a good month and sometimes we have to suck it up and move on just like we’ll have to this month with a silly error that cost us $1700 but the buck didn’t stop there let me assure you. We often ask ‘how can I protect my computer from viruses?’ but sometimes you also need to ask yourself ‘how can I protect my computer from myself?’

Water in computer

It all started one evening when I was sitting in my office minding my own business with beverage chatting to my fans on Facebook for my nightly What’s for Dinner post when I accidentally spilled water on the keyboard of my netbook. It was not a happy site and I frantically tried to dry up the mess and if you were here you would have thought I was a right nutter blowing on the keys, pretty much doing anything I could to dry up the liquid that would potentially ruin my netbook.

It only took a few minutes to realize something was wrong and to be honest I was not surprised. I had lost the ability to use 3 keys on my netbook because the water had done the damage to the keyboard like I had expected it to although I was still being optimistic that it would dry up and in the morning everything would be back to normal and life would go on. Wrong!

Nothing changed come morning and although I did as much research as I could on spilled water in computer or a pcfix there really wasn’t much of a solution other than ‘keep your damn drinks away from your computer’. I pretty much agreed 100% after the fact of me spilling water on the computer that it was the only smart idea.

Buying a new computer

I still have a PC in the house and that was my saving grace and another net book but it’s not mine it’s the wife’s so I wasn’t going to invade her computer so I started looking online for a new laptop to purchase. I really wanted to spend my money wisely but not cheap out at the same time, so snagging a great deal would be optimal.

Our desk top PC is so old it was running on G wireless when all the rest of our computers were on N which meant the PC slowed everyone down to G. It only had a 40gb hard drive so space was at a premium too. I’ve contemplated for the last couple of years to buy a new PC but I wasn’t prepared to just yet as I needed to sort out this laptop issue of mine. We went to Future shop after I did some research and had a look around.

In no time at all we had a sales associate helping us and we went through our options which were plenty but ended up picking a Toshiba Satellite laptop with a 15.6 inch screen, intelcorei7, 16GB Ram/1TB space, awesome graphics and audio plus so much more. By the time you factor in all the taxes, office 365 package, anti-virus and I admit I paid for them to get is all ready to rock and roll as I just didn’t have the time.

I actually paid for a convenience that I felt was worth it to me for $100. When all was said and done the laptop rang in at a cool $1349 and no i did not bother with the extended warranty. When I did the math it really made no sense to me because over the life of the warranty I would have paid enough to purchase a brand new laptop so what was the purpose?

It’s been one week now since this beauty has been in our home and I just love it. I’m not so keen on the Windows 8 as it’s a lot of fluffing about but I’m slowly getting used to it. I opted not to get the touch screen simply because it was just another gadget to go wrong and I pretty much could care less about that. So just as all of this was starting to settle in, the big purchase and all I manage to screw up again. Oh I know I’m an accident waiting to happen every single day.

I run every single day and this particular day I was running and texting (I know, I know) and of course sweating like a hog. Well if a few drops of sweat didn’t fall on to my wife’s cellphone and all of a sudden the bloody phone stopped working. If you were in ear shot you would have heard every word under the sun starting with the letter F, S, D and FFS you’ve got to be kidding me.

We don’t have cell phone insurance because the phone is so old even the older people look at it and laugh. Some kids even say, wow where did you get that Mrs. CBB lol. Just goes to show you how technology evolves so quickly and how some generations are in awe when they see old school gadgets like ours.

Water on cell phone

When i was done my run I took a shower like usual and started researching what I needed to do if anything to get this phone working again as I didn’t want to have to buy her a new phone. That and she was probably going to ring my neck for being such a moron although sometimes I can’t help it, hey I’m a guy leave me alone. She’s been bugging me to upgrade for the past couple of months and I did give in and say go for it.

The reality is she’s been with Rogers for over 12 years now with a cell phone and no plan so she might as well get a contract and be done with it. She didn’t waste any time and was on the phone to Rogers and was able to negotiate with Rogers wireless for a decent cell phone plan.

I ended up on the advice of my friend who I called because he is brilliant with this kind of stuff and he told me to put the cell phone in a bag of rice. I know it sounds odd but it worked. When I tried the phone in the morning it was back up and running and I was smiling. Mrs. CBB on the other hand was frowning because now she doesn’t have to go and get the new cell phone even though I said for her to get it. She said not yet but she’s the worst decision maker so we’ll just see how many times she changes her mind.

They say bad luck comes in three’s and that it did this past week. So we got the cell phone sorted out and the new laptop up and running and we thought everything would be fine. Wrong again. The PC started going on the fritz now and was dropping the wireless signal every few minutes. I was struggling to get online more than normal as you see this has been going on for weeks.

I was on wireless with the old pc and it was really old and I finally said to my wife, listen we’ve worked hard, saved our money and have no debts at all. Let’s just get a new PC for the office and a good one so it lasts us so we aren’t struggling to get online and the PC is not wasting our time as it’s so slow. It would take me ages to get anything done plus there was no sound card and the Cd-Rom drive didn’t work so it was pretty much a dinosaur computer to most.

Back to Future Shop we go…… they loved us this past week.

New desktop computer

Well we had to make a decision on a new desktop computer and although there were some fancy new all-in-one type desktops that are similar to a giant laptop we opted not to go that route. They seemed like fancy gadgets that were bound to mess up and cost me more than I was interested in paying for especially since they weren’t near as fast as putting a system together purchasing the desktop and monitor separate.

I ended up getting an LG 27″ border-less LED monitor which cost me a bit more money just over $300 and an Asus desktop with 4th gen intelcorei7, 16GB Ram, 2TB Harddrive and Windows 8 and all the same features that are on the lap top pretty much minus the webcam which I will just buy separate. It goes like shite off a shovel and I’m so happy with this computer. In the end the total for the desktop rang in at just over $1700 with the MS Office, anti-virus and set-up plus all other taxes and fees. It even comes with a music maker so I can mix and cut my own tunes… watch out MC CBB is coming soon! Overall, this desktop computer is amazing and is the one in the photo you see above.

How to protect your computer from damage

  • Keep your space clean and organized
  • Do not drink or eat near your computer
  • keep all your electrical chords neat and tidy
  • Keep your computer in a non-moist environment
  • Don’t walk around with devices that are not hand-held devices
  • Use a surge protector to protect your investment
  • Invest in the extended protection plan offered by the seller
  • Invest in a good virus protection program if you feel it’s worth it to you (do the math)
  • Protect your computer with secure passwords in case of theft
  • Keep your computer dust free and clean it often so it doesn’t over-heat

So this month the budget has gone through the roof to the tune of over $3000 spent on computers for the home office but an expense that was in the making. We knew at some point we would have to buy a new computer but we weren’t anticipating the cost of the new laptop due to my simple error of drinking and spilling water on the computer.

It was certainly a lesson and something I don’t plan to repeat, ever again. Now, one more small problem. The printer we have which is a DELL from about 10 years ago will not work with Windows 8 (geesh) so I’m looking at picking up a new printer and to be honest the price of ink for the Dell All-in-one printer that we have costs a fortune so we might as well join the masses in buying a printer and tossing it when the ink runs out and buy another.

It seems to be the cheaper way to go. I hope you learned a valuable lesson today from my simple error and how I put a dent of over $1700 in our budget not including the new laptop just from being careless.

Have you been careless with any of your devices or computers in which you had to buy new or pay for costly repair?



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Do You Really Need Cell Phone Insurance?

Samsung cell phone

Cell phone insurance is a waste of money right, who needs it? Just two months ago I was so excited to have my new cell phone, a Samsung Galaxy SIII, it was an awesome  phone. First thing I did when I got home was logged into Amazon and looked for a hard case to protect the phone. I was trying to save money out-of-pocket by using my gift-cards from Swagbucks.

You with think with modern cell phone technology that they would figure something out so cell phones were protected from the average clumsy person dropping them. Even worse a child getting their hands on a cell to play pass the puck or toast the cell phone for breakfast.

I guess I’m just dreaming of the indestructible cell phone but we all know that will never happen, nothing seems to last like the good old days. It’s more about short life span and getting the customer to fork out more cash because they get so used to having technology at their fingertips.

That just seems too easy though because accessories make up another chunk of profits for these organizations as if the ridiculous high costs of cell phones weren’t already a lucrative enough business for them.

Well there was my second mistake (first mistake is coming up), a hard case sounds great right? I’m not sure what I was thinking as I should have bought a rubber one that might absorb some shock if dropped. You can probably figure out where I’m going with this….

Bye Bye Cell Phone

I pulled my cell phone out of my pocket to take a picture at work then put it in my coat pocket so I could continue working. I turned around and my phone flew out of my pocket right onto the nice solid floor in Wal-Mart. Nothing like a new dropped cell phone smashed to bits staring right back at you.

The second I looked down I wanted to cry. I broke my screen on my phone, oh great, sigh. I started to think out loud as I was still in a state of shock,“I broke my cell phone, now what do I do”? It’s that moment where everything just comes to a screeching hault in your life. I know it sounds off the hook but my cell phone carries more weight than just a phone for work and pleasure for me.

At least with a dropped cell in water I would have had a bit of hope of some sort of recovery, but I had blown this one out of the water.

My practically brand new cell phone was laying on the floor with every colour of the rainbow across the screen. I don’t even have a picture to show you because my phone was my camera! Now I can’t even see colour, it’s just a solid black screen with no life to it at all.

So now what?

Importance Of My Cell Phone

I had just switched  from Telus and obtained this cell phone by negotiating a 3 year contract with Rogers Wireless.  I am very uncomfortable being outside of my home without my cell phone. The reason behind this is not that I have some sort of unusual connection to my cell phone, far from the justification.

The reason is that I have a 4 yr old child with an illness who is just finishing his first year of school and has suffered from a seizure disorder since the age of 6 months.

With my job I work on the road and travel to multiple stores around Ontario which I really do enjoy. When I have my cell phone on me I can relax knowing that I can be reached at any given time in case I’m needed. I was working across the road from where I bought the cell phone and where the dropping incident occurred so I went over to see if they could help me out all.

The Bad News

As you can see from the picture above that my cell phone looks fine, the glass didn’t break, which would have been about $100 to fix my phone but that was not my only problem. I was told that the LCD under the glass was completely destroyed and that I was looking at $400 to have it repaired. Boy, did that make me feel better, not.

I nearly had a heart attack, the value of the cell phone is $600. After some in-store credits and the contract I had managed to walk out the first time without spending a dime on my phone.

The phone cost $149.00 on a three-year contract but the in-store credits, some of which ended half hour after I walked through the door, covered that entire $149.00. That left me responsible for $450.00 over the course of three years.

My first mistake….a big mistake

Insurance, What Insurance?

The associate then asked me if I had purchased cell phone insurance? Insurance? What cell phone insurance? She looked at my account and  of course no insurance is anywhere to be found. I do not remember being offered cell phone insurance, although she insisted that they offer it to every customer.

It’s possible I said no but I’m a little clumsy at times and I know this, I can’t imagine I would have said no! The $7.99 a month insurance would have replaced my phone, even if it was physical damage, with a $50.00 deductible. Sounds great now!! Lot of good that will do me.

I didn’t know what to do at this point as I really needed a cell phone at all times. I could put down a $50.00 deposit for a loaner phone and send my phone away for repair or walk out and have to buy a brand new cell phone. I explained why I needed a phone and that I did not have $50.00 at the time.

She suggested that I take some time to think about it and offered me a loaner phone for free for a week, on my word that I would return it.  I was very grateful for her being willing to help me out and that is what great customer service is all about.

That long week

Feeling Out Of Touch

Being a single working mom of two kids one of which has seizures my phone was not only a necessity but it became a very big convenience in my life. I get a lot of email communication for my job and I do not get too many opportunities throughout the day to get on my computer. My social media appearance and email activity had diminished in that long week and I even worried Mr. CBB because I wasn’t around!!

I felt very out of touch with the world, and unable to efficiently organize my work week without my cell phone. The importance of cell phones in our lives seemed so apparent to me at this time. I was missing emails that required a quick response and just fell behind as some days I can get 8-10 work related emails.

I had to make a decision and fast even if it meant breaking my budget and going into my emergency savings account; after all that is what I saved the money for, an emergency.

The Loaner Phone

So now I have a very basic phone that does not allow me to get access to my email, a very slow online browser and I think the original version of mobile Facebook! I certainly lost the convenience of my smartphone that week but I was thankful to be able to make and receive calls.

I called around to a few local repair shops to see if I could find a better deal to have my cell phone fixed. No luck there. There was no way that I could put $400 back into fixing that cell phone. I just could not afford that. I had to decide if I was going to look on Kijiji or Ebay to try and find a cheaper cell phone or pay full price for a brand new cell phone.

My New Cell Phone

I eventually decided to pay full price for a brand new cell phone.

Why did I decide to buy another brand new cell phone?

First of all, I am tired of spending money on cell phones! I opted a few years ago not to have a home phone as I was paying for something that I rarely used, so I rely solely on my cell phone.

Now that I know about the $7.99 monthly insurance fee that would replace my phone for a $50 deductible, I wanted to be able to have that  peace of mind option, this time….. instead of getting stuck in this situation again.  If I were to buy a used phone from Kijiji or Ebay there is no option for the insurance or warranty coverage.

Should I Buy Cell Phone Insurance?

For some people cell phone insurance may seem like a waste of money but for someone who is as clumsy as me and who really needs her cell it’s worth every penny. You might also want to check with your homeowners or auto insurance to see if your policy covers theft, loss or damage to your cell phone before committing to cell phone insurance.

Do your homework, make sure you are protected, if it’s worth it to you. If not, well then I guess you might have to suck up the costs like I have to.

I am now stuck with $450.00 of the cost of this broken, useless phone over the course of my 3 year contract and just spent over $200 on a new cell phone! A lot more than I would have had to pay if had just had that darn cell phone insurance!If this ever happens again, when someone asks me if I have the cell phone insurance I will very proudly say ‘You bet I do!’.

Do you have cell phone insurance? Why or Why not? Have you ever been in the same position I’m in?

Post Contribution By: Katrina is regular contributor for Canadian Budget Binder and is as passionate about personal finance as she is gardening. Katrina is a horticulture graduate with over 10 years experience with landscaping and greenhouse production. Her goal is to share her knowledge and experiences blogging about gardening and her continued passion for personal finance in hopes of motivating others. While being a single mom of two and working in a sales and marketing position, Katrina runs her own Landscaping Services in Southwestern Ontario.

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 Have you ever broke your phone while in a contract and not had insurance?

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My Childhood Shaped My Financial Future

My childhood shaped my financial future after seeing my parents struggle to make ends meet for our family. I am now 27 years old with a young family (8 and a half month pregnant with a 29-year-old fiancée and a 1-year-old) and we are totally debt free!

As most parents would do, mine never wanted to communicate their financial problems.  My mom always seemed to find a way to make everything into a game. She would always bake with us, turn her old clothes into costumes, make play dough, and cover the walls in newspaper and let us color in the pictures!

I think when children are that young as long as you keep them busy in a creative way they don’t mind if it’s costing $100 or its free. On the flip side I remember my dad taking me to kindergarten on his old beat up motor bike that hardly ever started and yelling…hold on tight!  The reason was because our car was always broken down and my parents could not afford to fix it.

Along with that I remember in my childhood my mom making it into a game when it would rain. She would have us run and grab a bunch of bowls to put under the drips because our roof needed to be fixed and would leak everywhere. My parents were struggling with financial problems and didn’t have the money to repair the roof.

Again…I think at that age you don’t understand and as long as my mom was telling me it was a game….it was fun! We lived in a small farm town and my dad worked for a small real estate company in town. My mom (who moved to Canada from Denmark when she was 20) owned a Danish restaurant with her mom and dad. The restaurant was doing ok but as we all know you lose money for at least 5 years in that kind of business before you see any return. The restaurant was just getting by and making ends meet.

When my grandpa passed away later that year my mom had to close the restaurant and find other work. That same year my dads real estate company went belly up and things were NOT looking good. My parents needed to come up with an idea that would change our lives for the better.

My mom and dad decided to go into business as a team in real estate.  It was the best decision financially they ever made. My dad sold commercial real-estate and my mom residential real-estate. The little farm town doubled in population over the next few years bringing in scores of new people.

In that time my parents bought a piece of land and built a brand new 3 story home (BIG change!). I was going into grade 3 at this time and still didn’t understand what was going on. We changed schools and people were treating me VERY differently now that I had nice clothes !

Over the next few years things only got better and better for my parents with their finances. They were traveling all the time, bought new cars and toys and now owned multiple properties. To me it was still all very strange but I started to understand as time went on.

I moved out when I was 16 with the same frugal mentality I had when I was a child and have never needed anything flashy. I have never owned a credit card or a cell phone… and I pay for everything in cash. I took myself traveling for 3 years overseas (Australia, Bali, Fiji, Honolulu, Hong Kong) just on cash and working along the way. I kept the mentality that if I want something I can have it, I just have to save for it. That was my way of dealing with financial problems I didn’t want to ever have and I’m glad I did.

It takes surprisingly less time to save for things then people think. When I got back from traveling I met my fiancée now who had just got hired on as a firefighter. Firefighters don’t make nearly as much when they first start out but it was his career choice. When I became pregnant with our first child only a few months after we started dating we really had to take a look at our finances.

We decided to make a budget, and cut up his credit cards. Thankfully I had no debt, and he only had $10,000 from fire school and a small credit card debt. He also came to the dark side with me and got rid of his cell phone, this saved a LOT of money for us!

We took out a loan at a smaller interest and aggressively paid off his debt every 2 weeks so that in 1 year we were debt free. Now we have our second child on the way and we are sitting at a much more comfortable place financially. We still have no cell phones just a house phone and no credit cards.

We did however just purchased my childhood home in that farm town last month. We are also setting aside money every month for our children for their Registered Education Savings Plan.

My parents are happy in their own way with all of their stuff, but the debt from having these things now has put more stress on them than ever before. I’m thankful that I was able to see both side of the money coin. This has enabled me to sit comfortably in the middle where my life is not cluttered with stuff .

We have a beautiful little garden, great house, dog and we are getting married next summer. I know we wouldn’t be here if it were not for our budgeting and growing up the way I did. We have made poor decisions along the way don’t get me wrong but you need to make those mistakes so you know what works and what doesn’t for you.

Now my mom is getting into couponing and asking me for help, which is awesome. Between the two of them they have gone from spending $200 a week on groceries to about $60. I make them a little shopping list when I make mine to help them out.  My dad is going to help my fiancée build a chicken coop so that we can have fresh eggs every morning. My grandma is a little firecracker and helps me in the garden  (it used to be her garden so I think she really enjoys it!). In the end everyone is benefiting with free eggs,veggies,and fruit (cherries, rhubarb, grapes,peaches).

There are many ways to save money in life but sticking to the basics and working as a team helping each other out is what helps us the most. Oh, and of course using a budget!

Story By: Sasha Selby

Photos: Owned by Sasha Selby

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Haggling the Best Deal with your Communications Company

Do you call your cable company annually to negotiate a better deal? If not, read this post to learn how you can save yourself and your family money each year with a simple call. Haggling with your communications company may seem like a pain in the back side but with high competition for services it’s worth the time it takes to talk to a customer retention agent.

Every year I shake my head when I do the yearly round-up of our expenditures with Rogers Cable. I must admit that I have lowered these costs over the years but am looking to downsize them. Sure I have some of the best Rogers retention plans going but sometimes they make it difficult to want to continue being a long time client of theirs.

The cancellation department also handles the retention phone calls for customers who have promotions coming to an end. Essentially all they are is a customer service representative with retention strategies to try and keep you as a customer. They are the people who can boost your savings depending on your needs and how well a customer you are.

Rogers client retention may not seem like a big deal when you are 1 customer but if everyone decided to move to another company that could put a dent in their earnings. Rogers is one of the leading communication companies in Canada with continued revenue growth up 3% according to their 2012 Quarterly report located on their website with adjusted operating profit up 7% and earnings per share up a whopping 33%.

2013 Rogers Retention Plan 

It’s that time of year where I make the annual call to our communications company as our Rogers promotions are coming due.  I like to update this post with what we were offered or what they call the best “rich offer” they can give us for all of you to compare your deals.

Our end of promotion total bill for the 2012-2013 year was $149.71. Our new bill will be $153.55 which is a bit more but last years promotions were far better than what they are offering today. I’m still not sure what we will do with this promotional deal they offered us. Below is what Rogers offered us for the 2013-2014 year of promotions.

Rogers Wireless Cell Phone Retentions Deal

  • Cell Phone $31.12 includes 200 Weekday and Unlimited Weeknight and Weekend
  • 100 Any time Canadian Long Distance Minutes
  • 6 pm Early Evening Calling
  • Call Fwd, Call Transfer, Call Answer, Call Display Bundle
  • Bundle Discount
  • Total $31.12 (this is apparently the cheapest cell phone plan with Rogers)

Rogers VIP Cable Retention Deal

  • VIP Digital Cable
  • 1 FREE PVR (Personal Video Recorder)
  • HDTV Channel Pack
  • Bundle Discount 20%
  • Total $66.55

Rogers Home Phone Retentions Deal

  • Change from Classic Plan which is no longer available to the Favourites Plus Plan $19.99 month plus tax for 2 year promotion not a contract. It will cost $45.00 a month when the promo is done (I’m sure this will change as prices always go up)
  • 500 North American Long Distance Minutes (it will cost $5.00 extra when the promo is done)
  • Loss of Rogers to Rogers switching from Classic to Favourites
  • Total $22.95

Rogers Internet Retentions Deal

  • Rogers High Speed Lite
  • Bundle Discount 30%
  • Modem Charge $4.00
  • Total $32.93
Previous Rogers Retention Deals

Here is one true example back in 2010 we were paying just under $200 a month for 4 services or $2400.00 per year. In 2012 I received the same 4 services plus more for $159.68 or $1916.16 per year by calling retentions.

In 5 years at the 2012 rate we could have put $9580.80 down on the principal of our home. In 20 years that’s a whopping $38,323.20 although we know this cost will increase over the years. It really puts it into perspective when you see the average numbers over the long-term.

There are always price hikes with Rogers (most companies for that matter) for one reason or another so always keep in mind that your promotional price likely will go up over the course of the year. There is nothing they can do about it so you have to suck it up or leave which might mean you break a contract although their service agreement states:

If a change to a Month-Month Service of a Term Service entails an increase in your obligations or a decrease in your our obligations and if you do not accept such a change, you may terminate the affected Services without a Cancellation Fee by sending us a notice to that effect no later than 30 days after the amendment takes place.

So make sure you read the service agreement which you will find at the bottom of the Rogers Home page. It pays to stay informed because you can’t turn around and say you didn’t know if they offer it to you. If you are late paying your Rogers bill they will charge you a 2% late fee per month calculated and compounded monthly on an account that is not paid to the tune of 26.82% according to their service agreement.

Do we really need all those services?

Ask yourself the above question and if the answer is no cut out some of the services. We are looking at chopping some of the features we pay for this year such as a bundle pack on our cell phone.  We might cancel the VIP cable for Basic cable and find internet services elsewhere.

Before We Call Our Cable Retention Department

The first thing we do is sit down with our budget spreadsheet and look at our yearly total for our communications bills. Take the time to add yearly costs of your Cell Phone (s), Cable, Internet and Home Phone so you have the exact numbers. You can’t haggle a deal if you don’t know what you previously were spending. If you are a new customer you might have more ammunition for better start up deals so don’t be afraid to ask, they do want your business after all. 

If you have just completed this task I bet you are surprised to see costs in the thousands if not more per year for these services. In 2011 we spent $2030.09 for our Rogers services for the year. The next year in 2012 we paid$1807.25 to bundle our services with Rogers for the year through the retention department promotion pricing. That was a difference of $222.84 for the year which is better than nothing and for some a month of groceries in their grocery budget. So, we have home phone, cell phone, internet and cable with Rogers.

Your communication costs are all variable spending habits, meaning we really don’t need them at all. They are a luxury but one that shouldn’t break the budget in order to have them.

How To Negotiate 

If you want to learn how to negotiate with Rogers or whoever your communications provider is remember it’s a business. As a client you want to be professional and at least be prepared to make the phone call to haggle with them. Below is how I go about tackling my annual call to our communications company.

  • Write out your year to date totals for your communications bill and review your current bill for pricing.
  • Know when your service contracts are due and write this information down so you can prepare your negotiations ahead of time. ( I like to call the retention department one month or more before our promotions expire)
  • Keep junk mail from other cable and phone companies as you may need this information.
  • Search the internet for companies in your area that offer the services you need.
  • Call or Email these companies to get quotes on comparable items that you receive from your provider.
  • Tell them that your contract is coming to an end with your current provider and you are looking for the best deals.
  • Bundling your services with one provider may end in a better price but not always, research is best.
  • When you have all this information in front you then you are ready to do the next step, haggle with your current provider.
  • Typically there is a customer service number you can call to discuss your services. I like to call and ask for the Retention Department when calling Rogers or you can ask the cancellation department for retentions as they are the same people from what I was told from an agent today. 1-888-Rogers (7643)-1
  • When I reach the retentions associate I tell them I am potentially considering cancelling my services because I have found a better deal unless they are willing to negotiate with me. I am being honest as this will be my intention if they cannot match or beat a competitive quote that I have. It’s not a means of blackmail it’s just the way business goes just how they tell us there will be an increase in price for our services. Don’t just call and act like you are owed something, be considerate.
  • Be polite to the retentions agent on the phone, use their name just like they use yours as you are not aiming to cause a confrontation as they are simply doing their job.
  • Let them know what quote you received from a competitor comparing apples to apples(meaning for the exact same services) and for how much and ask them if they can meet or beat it.
  • If they say no you can either continue to negotiate, cancel your services or call back another day until you get the answer you want.

Almost 99% of the time these retention agents have given me better promotions than advertised or others have received. If you have been a long-standing customer with an excellent account use this to your advantage. Tell them how dedicated to the company you have been and wish to continue being although I’m pretty sure it’s obvious as they can see your account history. There’s nothing wrong with reiterating your commitment to their organization.

I also follow Red Flag Deals (RFD) “Hot Deals for Rogers Customers” at redflagdeals retention thread but I would also like our fans to post their internet, cable, home phone and cell phone deals here in our comment section so others can follow CBB Communication Retention Deals here!

Arm yourself with the best defence, in the end its your money, so spend it wisely.

Quote-Budget and Money

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