Money Matters

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We're all looking to save money on our phone bill, especially our cell phone bill which can be all over the place.

On average consumers shell out $70 dollars a month for a cell phone or $840 a year. But you could cut that bill as much as half by taking the following five simple steps.

First. Reassess services. Paying for services you don't need or rarely use is a common mistake. Why pay for unlimited texting if you're only sending 10 messages a month? Upload your latest bill to billshrink dot com and it will analyze more than two-hundred plan combinations to help you find the best deal.

Second. Prepay for talk time. If you talk on your cell phone fewer than two hundred minutes per month switch to pay as you go service. Nearly 1/3 of customers would save money going this route.

Third. Seek group discounts. Many employers, alumni assocations and other membership groups offer deals on cellphone service.

Fourth. Skip cell phone insurance. Over the course of a standard two year contract you would save enough to re purchase a lost or damaged phone several times over. Also the fine print often shows you have a deductable and the company can replace your phone with a refurfished one.

Fifth. Try not to succumb to gadget lust. Those extra bells and whistles will cost you. Many of the smartphones require pricier plans.

So there you have it. If you're not one of those people who uses their cell phone to do everything but wash your car. You don't need to shell out large sums of money to dial a number and say hello.

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