How much are you paying each month on your cellphone?
Cellphone bills can be expensive, on par with the monthly costs of powering your home or keeping your car gassed up. Of course, your cellphone can help you build your credit, but only if you aren’t strapping yourself with too large a bill every month.
So if you’re sick of shelling out a small ransom to call, text and watch YouTube cat videos on your smartphone, you should know there are ways to lower your cellphone bill. Here are 12 options.
12 Simple Ways To Lower Your Cellphone Bill
#1. Choose The Right Plan
If you’re signing up for a new cellphone plan, make sure you’re only paying for the plan you need. Unlimited texting, calling and data plans are nice, but you may use your phone less than you think.
Take a look at your phone usage over the past few months to determine if average usage is way under the allowances you’re paying for. If so, you can save some money by switching to a downgraded plan.
This was my first step to cutting my cellphone bill. I went from $100 a month to $75 a month.
#2. Keep Your Phone Longer
Many wireless carriers like Verizon and AT&T dangle the carrot of a new phone upgrade every year or so. Of course, you like new devices, but you might end up shelling out hundreds for a new phone or rolling the cost into your wireless bill, which sounds tempting in the store but will add to your monthly cost.
If your current phone works, hold onto it to save money. Plus, the new features on a brand new phone don’t tend to be revolutionary. You can skip a few generations and buy a used phone in a few years and have close to current technology and features.
#3. Skip The Insurance
Device insurance sounds appealing when you’re about to drop hundreds on a new phone. But in many cases, it isn’t worth the cost.
“At $11 per month from Verizon, you’d still need to cough up an additional $50 to $200 for the deductible, depending on your device. It’s more cost-effective to invest in a sturdy, protective case and screen cover and treat your device with care,” said Kendal Perez, Savings Expert at CouponSherpa.com.
It’s also worth checking with your credit card issuer to see what, if any, kind of extended warranty options they offer on new purchases made with your card, or if you pay your cellular bill with your credit card. Learn more about your options with this handy guide to getting your money back when you break or lose your phone.
#4. Use Family Plans
If you need more than one phone line on your plan, you may want to check if your wireless carrier offers family plans to lower your cellphone bill. Family plans offer savings for additional phone lines, decreasing the average cost of each line. In some instances you may be able to split the costs with a friend or family member you trust.