Cell phones with free nights and weekends

For retiring cell phone users, take note that "free nights and weekends" are a much greater advantage to people who are employed during peak usage hours, or from nine to five. I had a noteworthy experience recently. While negotiating my premiums with my homeowners and auto insurance policy carriers, I spent an excessive amount of time on the phone. Naturally, most of the time was on hold. The extra time I spent on the phone cost me some money. When my bill came at the end of the month, I'd exceeded my peak usage minute allowance and had run up an extra 83 dollars. It just didn't occur to me to limit the time I spent on the phone during the day. So although I saved a considerable amount of money on my insurance premiums, it will take 2 months to cover the cost of getting the premium reduction. Recent retirees would be wise to remain aware of the extra minutes that rack up when they are on the phone at home during the day.