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Money Savers - Your Cellular Phone

Do you find yourself faced with an $80- $150 cellular phone bill every month? Unfortunately, this is typical amongst many cellphone users. Why is that?

Many people sign up for a $100 a month service plan, but only end up using about 20% of the allocated minutes!

Others, sign up for "across the country" plans costing nearly $150 a month, but rarely travel outside their own state!

Today, you can generally find quite a number of local providers offering a wide variety of services to both individuals and businesses alike. Take a look at the tips below to help you start saving money off your monthly cellphone bill!


Before you decide on a company/policy that best suits your needs, you MUST determine what type of cellphone 'user' you'll be. This will save you money month after month.

Take a moment to reflect on when you will be using your phone the most. Is your cellphone for business purposes? For personal use? Just on the weekends? What time of the day will you use the phone most?

Know the answers to these questions before signing any type of cellular phone service agreement. It will help guarantee you get the best deal for your money.

Other important information to know:

- Monthly Service Charge
- Number of Minutes Included in Plan
- Type of "FREE" minutes- weekend or anytime
- Per Minute Charge: Peek, Off Peak, Weekend
- Local Coverage Area
- Long Distance Charges
- Roaming Charges


This question can only be answered by you. Do you really NEED a cellphone that can play games, store thousands of names and numbers, and get the latest sports scores?

If you just want a cellphone to make occasional phone calls, you can probably settle for a $50 phone. Better yet, most carriers offer FREE phones with the signing of a service agreement (generally two years).

IMPORTANT - Make sure you try out the phone before you buy it. This is your chance to test the product. Is it too small? Are the buttons a good size for you fingers? How's the clarity? etc...

All service providers will let you make a phone call on the phone you're interested in buying. Try, before you buy!


Analyze the bill over the past two or three months. Do you see a calling pattern? When do you call more during the week or on weekends?

Write down an estimate of the hours you spend during peek (7am-7pm), off peak (7pm-7am) and weekend hours (Fri 12am-Sun 12am). Once you have an idea of when you spend your time on the phone, you can then speak with a service representative about changing to a plan that might better fit your needs.


Be sure and take advantage of the services offered from your provider. You will find that many companies offer FREE mobile to mobile (the person you call has the same carrier), and most offer plans with FREE weekend minutes.

Use up those FREE minutes. Instead of using your home phone on the weekends, use your cel phone. Just be sure that the numbers you are dialing constitute as FREE calls.

Remember, any questions you have pertaining to your cellphone or bill, don't hesitate to call your service provider. Most offer toll free 800 numbers for easy access to telephone assistance. You might also want to check out their web site, if applicable.


The best advice to give to cellphone users is to educate yourself as much as possible. Find out what services are offered in your area. Ask people you know who have cel phones what they think of their service. You'll be able to tell right away if they are 'happy' or 'frustrated' with their cellular service.

*NOTE* Just BE SURE you do NOT sign any contract until you have carefully thought and read through everything.

Written by Gregory Thomas, editor of Effective money saving tips, articles, newsletters, and ebooks all accessible directly at our website. Stop by and see what's available to you:

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