I just ordered the magic jack for phone service. I will be getting a 30 day free trial. This will save me about $40 a month if I get rid of my cable phone and only use the magic jack. I also checked out life insurance policies to get a lower value for a lower rate. I will save $7 a month on that if I can get it. Once I have cable TV taken out that will save me about $40 a month also for a total savings of almost $90 a month. I am paying $100 less a month in rent than the old apartment so I am not doing too bad in learning to make my dollar stretch.

barbara