What I've decided to do with my (slightly lower than originally predicted) $800 tax refund:
1. Get off my dad's cell phone plan and onto my own.
2. In conjunction with 1., get new cell phone.
3. With the remaining money, pay off a chunk of my OSAP.
- The new cell phone should satisfy my "Free money should equal shiny new toys" urge. And I really want a new one. (Though, see below...)
- Getting onto my own plan counts as a responsible, grown-up thing to do.
- Paying down a bit more of my OSAP means I can save a bit more of the money I'm actually earning as I won't be losing it to interest.
- I don't actually NEED a new cell phone. While there are many things I wish my current phone did but it doesn't, and many things that I see other phones do and go "cool", when it comes down to the fundamentals of phone use (making and recieving calls, sending and reading text messages) this phone does fine. I don't take a lot of pictures or video, so I don't need a better device for doing that; I have a perfectly good iPod Shuffle, so getting one that plays music seems a bit moot; while I'd love a phone with a full keyboard, I type fine without one... basically, the only major selling point is that I'd like a phone that functions as a bit of an address book as well, and I'd like to be able to use the internets, yes, all of them, but specifically Gmail, Facebook, Twitter and YouTube, from my phone.
... I really like this one
, though. Even though it involves a number of features I don't need. But look how shiny!
(Oh, by the way, I have a Twitter account
now. All will tremble before my tiny 140-character thoughts!)
- OSAP is boooooring. And while dumping $500 into it seems like it should make a yooge difference... it won't? Not really? It's very responsible, and it needs to happen, and it is by far the best idea of what to do with this money. It's a grown-up choice. It is just very boring too. And it is a weird feeling, segueing into the period of my life where free money gets eaten up by mundane duties instead of going towards adventures and splurging.
Anyway. I'm not 100% sure about the new phone, as you can clearly see - I'd like one, and this is certainly the last time for a while that I'll be in a position to afford one, but I could do without one, so in essence I'm asking for permission to be somewhat frivolous.