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Today’s post is contributed by Amy Nickson, a passionate writer on finance. Amy is a professional blogger whom has started her own blog and also works as a contributor for the Oak View Law Group. Please share your opinions by commenting below.
If you ask me how to save money, my answer is “Trim your phone bill”.
Do you know why?
As per the recent survey, most of the people in our nation spend thousands of dollars each year to buy cell phone plans that they don’t use at all. This is how we are wasting our hard-earned money.
Yes, we all love talking on our phone; but we should be careful while buying the plan. Otherwise, the cell phone bill will increase our financial stress with time. Downsizing the phone bill helps us to save some bucks as well.
People often overlook the simple ways of saving money. But, if you carefully review your spending habits, you can find out numerous ways to set aside few bucks in your day-to-day life.
In this article, I will tell you how you can reduce your phone bill. Don’t worry, it’s very easy; check out some tried and tested tips here:
If you’re not a massive talker, texter, or web surfer, then go for a plan that suits you. Pay only for what you use. You just need to plan strategically. If you don’t talk much but use the internet more, then choose the plan accordingly.
Remember, video streaming, pop-up notifications, online games, music, automatic play features are data hogs. You need to monitor data usage time to time. By doing so, you will find a significant reduction in your next phone bill.
Choose the right plan
Choosing the right plan is important. To do so, you need to check how often you use your phone. Find out your previous phone bills to check your usual call duration, total internet usage, and total messages. It will help you to understand the pattern of your phone and internet usage. This will help you to choose the right plan.
Cut down unnecessary services
Cut down junk; find out the services that are useless. Consider only important services like GPS service, roadside assistance, and visual voicemail.
Consider a prepaid connection
I think paying the phone bill upfront (Prepaid plan) helps to stick with your budget. It is like going to shopping with cash and no credit card. Once you spend all the money, you know you are done with shopping. A prepaid connection allows you to pay the bill upfront. You know how much you are going to be charged. That’s the key.
Stick to the minutes
If you really want to downsize your phone bill, then you need to cut down your talking time. Staying under the minutes is not difficult. If you tend to cross the minutes, then go online to find some apps that work as good reminders.
Say “no” to the cell phone insurance
These days, many people are buying cell phone insurance without knowing about its advantages. Some agents push people to buy the insurance plan for their phone. Buying cell phone insurance doesn’t make sense. Because there is no point to buy a costly insurance for a $500 or $400 gadget. Insurance can be beneficial for those items that are expensive. For instance, life insurance, home insurance, dental, car, and health insurance. If your phone is expensive, then you can buy insurance. It will help you to get money in case of theft or damage.
Get family cell phone plans
A family cell phone plan is ideal to share minutes and data packages. However, you need to check the usage habits of all members before buying a family phone plan. Thus, you’ll be able to save a significant amount.
Make free calls
If you’re paying for the internet, consider free calls whenever possible. Get Viber, Skype, and Text free in your smartphone to enjoy free calls.
Never dial toll-free numbers from your cell phone
Toll-free calls are free when you’re dialing from your landline. Don’t dial toll-free numbers from a cell phone. It charges heavily.
Get senior discount
If your age is 55 or above, then ask the provider for the senior discount. Get a senior plan to experience a lower phone bill. Go online for more information.
Using WiFi allows you to browse the internet without wasting data. You can surf Wifi at home, office, coffee shop, gym and so on.
Turn off roaming service while traveling
Generally, smartphones start using data automatically to give email update or weather update while you’re traveling. So, don’t forget to turn off data roaming while traveling.
Search a suitable service provider
Cell phone service providers often provide offers to attract the consumers. Some service providers offer free night minutes. Whereas few offer free weekend calls or internet data. So, you need to pick the right offer as per your need.
Read the cell phone terminology carefully
You need to read the terms and conditions before signing the contract. There can be many hidden charges. So, don’t forget to ask about them before signing the agreement.
Download free texting app
When you’re using a smartphone, you must utilize its advantage. Download free texting apps on your phone to reduce the text cost.
Turn off autoplay feature in your phone
Go to the phone settings to turn off the autoplay option. If you don’t do that, the videos that appear in your social media will start playing automatically once you log in.
Don’t incur additional charges. Know your limit. As I have mentioned earlier, track your data usage and set up an alarm to avoid incurring additional charges. If you pay your phone bills on time, then you can negotiate with your service provider to get the better deal next time.
This trick works because service providers don’t want to lose a valuable customer.
Notes from Monica:
Amy mentions a lot of great tips to save money on your cell phone bill. My family and I are currently researching new cell phone service providers for when my contract expires in a few months. In the meantime, I’ll use some of these tips to save money on my cell phone bill and avoid incurring additional charges.
If you aren’t 100% satisfied with your cell phone service don’t be afraid to let your service provider know. My husband and I were experiencing an excessive amount of failed calls. I contacted our service provider and they credited our account a few times. The worse that could happen is they say know.
Like Amy said, only pay for the data you use. We currently use a free service offered by our cell phone provider that slows down our data speed before we exceed our data allowance to avoid overage fees.
Find out if you’re eligible for any employee discounts. My work gets me a 19% discount on our cell phone plans.
Lastly, consider purchasing your phone upfront instead of getting stuck in a long term contract. This will allow you to switch providers if a better promotion comes up.