Google Maps. Gmail. Google Calendar. Chrome.
Several months ago, I had an epiphany: Why am I using an iPhone when all my favorite apps are made by Google?
So, when I needed a new phone, I decided to forgo my knee-jerk reaction toward Apple products and see what Android had to offer. Here’s how my quest played out — and how much money you could save.
Switching from Apple to Android
Thankfully, my boyfriend is a dedicated Android user, so he was able to guide me toward some popular phones (because, unlike Apple, Android offers more than one phone to choose from).
I wanted a phone with a ton of memory because my iPhone’s 16 gigabytes had run out way too quickly. I spent my days deleting photos and avoiding new apps.
I liked his phone, a Nexus 6P that costs under $300 used, but it was too big for my hands.
So, I settled on a Pixel, Google’s flagship phone. I purchased it at exactly the wrong time — just as the next version was about to come out — and it cost $749 for 128 GB.
Today, the same phone costs $649, and the Pixel 2 costs $749 for 128 GB or $649 for 64 GB.
Along with T-Mobile, it’s one of the only carriers that comes with free texting and data in more than 100 countries. But compared to T-Mobile, Fi has way more flexibility — and is way more affordable.
Each month, I pay a base price of $20 and $10 per gig of data. Since I normally only use 1 or 2 gigs, it works out to an average of $35 per month.
And because I’m on a family plan with my boyfriend, we each save an extra $5 per month, so our bill comes out to around $60 per month.
How much money you could save by switching to Android
Earlier this year, the Pixel was the top-of-the-line phone for Google; now, it’s the Pixel 2.
So, I think the most accurate comparison is between the Pixel 2 and the iPhone X. (Since the latter comes in only 64 GB or 256 GB, I’ll use the prices of the 64 GB models.)
If you’re deciding between the two, here’s how much money you could save by choosing Android over Apple:
- Pixel 2 ($649) vs. iPhone X ($999): $350
- Project Fi ($35/month) vs. T-Mobile ($70/month): $35 per month
Over the next three years, which is how long I generally keep smartphones, it adds up to a total savings of $1,610.
There are more important things than Apple
It’s been about five months since I made the switch, and I can’t say I miss my iPhone at all.
I happily use my maps, photos, calendar, email, and web browser — all made by Google.
And I happily leave my camera at home because the Pixel’s camera is so good. Last week, a co-worker borrowed my phone at an event because it took much better low-light video than her iPhone.
But even if that weren’t the case, it feels good to save money. It might seem like a negligible amount, but here’s how it could add up.
If you have $37,000 of student loans at a 5.70% interest rate and put that extra $35 per month toward your loans, you’d pay them off a year early and save $1,293 in interest. (See how your numbers would play out using our student loan prepayment calculator.)
Or if you invested that $35 per month for the next decade and didn’t touch it again for 35 years, you’d end up with a total of $64,284 (assuming a 7 percent return).
And that’s not to mention the $350 you’d save on the phone itself. Shopping spree, anyone?
However you spend your money, and wherever your loyalty lies, the point is not to purchase something just because everyone else is. By taking a different path, you could end up happier — and maybe even wealthier.
Interested in refinancing student loans?Here are the top 6 lenders of 2019!
|Lender||Variable APR||Eligible Degrees|
|Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Earnest.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.50% APR (with Auto Pay) to 7.82% APR (with Auto Pay). Variable rate loan rates range from 2.43% APR (with Auto Pay) to 7.21% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of April 17, 2019, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 04/17/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at firstname.lastname@example.org, or call 888-601-2801 for more information on our student loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
2 Important Disclosures for Laurel Road.
Laurel Road Disclosures
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
All credit products are subject to credit approval.
Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $4 billion in federal and private school loans. Laurel Road also offers a suite of online graduate school loan products and personal loans that help simplify lending through customized technology and personalized service. In April 2019, Laurel Road was acquired by KeyBank, one of the nation’s largest bank-based financial services companies. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. All loans are provided by KeyBank National Association, a nationally chartered bank. Member FDIC. For more information, visit www.laurelroad.com.
3 Important Disclosures for SoFi.
4 Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
5 Important Disclosures for CommonBond.
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.45% effective May 10, 2019.
6 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
|2.43% – 7.21%1||Undergrad & Graduate|
|2.43% – 6.65%2||Undergrad & Graduate|
|2.43% – 6.59%3||Undergrad & Graduate|
|2.44% – 6.87%4||Undergrad & Graduate|
|2.46% – 7.08%5||Undergrad & Graduate|
|2.93% – 9.67%6||Undergrad & Graduate|