7 Ways to Cut your Cellphone Bill

Today’s household has to deal with so many expenses that my parent’s generation did not have.  When I was growing up in the 70s and 80s, we did not have a cable bill, an internet bill and most certainly no cell phone bill.  Now, we cannot do without these items.  If we are going to have these extra expenses, we might as well get the best deal possible.  Consider some of these cost cutting items.

  1. Consider prepaid service. Pay-as-you-go services have gotten a lot better recently.  If you are not a heavy cell phone user you usually come out better by only paying for what you use.
  2. Check for discounts. Many carriers offer discounts if you are an employee of a company that uses their service.  Do a Google search with the carrier’s name and the words “employee discount”.
  3. Look for a family plan. If you need multiple lines, most carriers will offer a better per-line price than their standard single line.
  4. Don’t buy the hot phone. It is easy to want the latest and greatest, but the price of the phone will drop quickly when the next model number comes out.  Have patience.
  5. Strategic Surfing.  If you do not have unlimited data, beware of the online games and videos.  They will eat up your data allowance.  Switch to Wi-Fi when a connection is available.
  6. Look past the carrier store.  A Consumer Reports survey showed above average scores for price of cell phones at retailers like Costco or Wal-Mart.  You don’t have to go to your carrier’s store.
  7. Think twice about add-ons.  Don’t let them talk you into all those extra services.  Especially the insurance.  The cost of the insurance verse the chance of you needing it, is not worth it.  Hang on to an old phone in case you have to replace your phone and you are not eligible for an upgrade.

Written by: Van Pappas CFP®
Vice President and Private CFO™, oXYGen Financial, Inc.
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About the author  ⁄ Van Pappas

Van Pappas

Van Pappas, CFP® - Van is a native of Atlanta. He holds his undergraduate degree in Finance with an emphasis in Real Estate. As a planner for 15 years, he earned his CFP designation from Kaplan University. He is currently the Chairman and founder of the Chamblee Chamber of Commerce and sits on the Downtown Development Authority for the City of Chamblee. In 2012, he noticed the value of helping the X-Y Generations and decided to merge his practice with oXYGen Financial. Background and qualification information is available at FINRA's BrokerCheck website.Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. oXYGen Financial is not affiliated with Kestra IS or Kestra AS. Kestra IS and Kestra AS do not provide tax or legal advice.


  • Avatar
    October 29, 2014

    If you use your Wells Fargo credit (not debit) card for your monthly cell phone bill, you are provided $600 cell phone insurance with a $25 deductible for up to 3 phones.

  • Avatar
    Jessica Prah
    November 4, 2014

    Another way to cut your cell phone bill is to just choose a cheaper plan. GIV Mobile is a cell phone service that offers four no-contract “Unlimited Everything” plans starting at $29/month for talk, text and 2G data and $35/month for talk, text and 4G LTE data. Along with being an affordable and easy way to save money on your wireless phone, GIV Mobile donates 8% of every customer’s monthly bill to up to three charities of his or her choice including The Conservation Fund, United States Fund for UNIFEF and Ronald McDonald House Charities.

  • Ted Jenkin @ Your Smart Money Moves
    November 4, 2014

    How exactly does that work?

  • Ted Jenkin @ Your Smart Money Moves
    November 4, 2014

    How can you sign up for it?

  • Van
    Van Author
    November 6, 2014

    Thanks Nancie.

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