The other day I was at the CBA bank and got a free home contents insurance quote. It was $325. Compared to my RACQ quote of $333 it was looking a bit better. Also, RACQ charge $4 per month if you pay monthly whereas CBA doesn’t. Hmm thinks I. I might have to change. So I ring up RACQ and ask about what’s going on. They gave me a discount due to having my car breakdown thingo with them. I told them how CBA were gonna give me a cheaper premium and not charge for monthly payments.
He checks out my policy and discovers a $2,000 “Unspecified items” cover for items taken out of the home. This amounts to an extra $80pa. Since nobody covers mobile phones and the only other thing I occasionally take out of the house is my Pocket PC for Sienna to play games on I told him to scrap it. Now, my RACQ bill is $253 and even paying the extra $4pm (ack!) it’s cheaper than CBA 
Coincidentally enough, CBA rang me today to confirm my policy and said there’s no way they can match it since they can’t separate out options like this, so I’m canceling their one instead!
Also, I think I will cancel my Mobile broadband. Dialup is fast enough for most stuff I do and it’ll save me $50pm. Since I changed my Insurance to $25pm that’ll be covered for the next year nicely. I might go through my bank statement next time and see where else I can save some moolah. This month, tho I’m not putting so much onto my Credit Card at the start of my payment period since last month I was dangerously low ($19 left in the account) until I got paid. I might keep extra in the Savings account until my next pay from work then transfer the excess over.
