4 Tips To Avoid Overpaying For A Cell Phone Plan

Have you ever wondered if you’re overpaying for your cellphone plan? miya227 Shutterstock

Yes, this sounds like the start of a commercial, but the question remains the same.

If you feel like your cellphone bill is eating up too much of your monthly budget, here are some tips to ensure you aren’t overpaying for your plan.

Reduce the cost of your cellphone plan.

Examine your cellphone plan once more to see if you really need all of the services you’re paying for.Wireless data is the most expensive part of any cellphone bill.

If you can do without unlimited data, you can save a lot of money on your phone bill.But, before we start messing with your unlimited data, there are a few other benefits you’ve probably cut from your phone plan.

Most wireless carriers offer various tiers of unlimited plans, each with additional benefits if you are willing to pay a higher monthly fee.

Examine the most expensive unlimited plans offered by the top three carriers (AT&T, Verizon, and T-Mobile), and make sure you aren’t on one of them.After all, if you want to save money, you won’t benefit from a super-premium cellphone plan.

Along with unlimited data, the premium cellphone plans come with perks like subscriptions to streaming services.

T-Mobile’s premium unlimited plan, for example, includes a Netflix subscription.You don’t need to pay for the premium Netflix subscription if you already have a Netflix subscription (perhaps shared with your partner or friends).

Verizon has a deal with Disney, and AT&T has a deal with HBO MAX.

Cutting back on the extra perks from premium cellphone plans is probably the easiest way to save money on your phone bill, but this only applies to people who already have premium cellphone plans.What about the rest of us who still believe we’re overpaying for our cellphone bills?

Change to a prepaid wireless provider.

If youve spent the majority of your wireless life with AT&T, T-Mobile, or Verizon, you may be surprised to learn that there are a slew of other options available.

Prepaid cellphone plans (also known as MVNO carriers) are less expensive, but they come with the caveat that your cellphone speeds may slow down from time to time.

Prepaid cellphone plans, unlike the major carriers, do not own their own wireless networks and instead rely on others.If you still live with your parents, it’s like having access to their Wi-Fi without having to pay for it.

Now that you know how prepaid carriers work, let’s get to the good stuff: pricing.When compared to a major carrier, you can get an unlimited plan from a prepaid carrier for a fraction of the cost.

For $30 per month, Mint Mobile, for example, offers unlimited talk, unlimited text, and unlimited data.Take a look at the most popular prepaid cellphone plans to see if switching is worthwhile.

Participate in a family plan.

If you don’t have a family plan, you’re missing out on significant savings.Family plans can help you save a lot of money on your cellphone bill, and they’re pretty simple to set up.

You simply need to find a group of three or four people to join you on a family plan (doesn’t have to be your family) and you’ll immediately save a lot of money on your cellphone plan.

To put it another way, you can pay 85 per month for a T-Mobile individual Magenta MAX plan or 42 for the same exact plan.50 per month if you have four or more lines on a family plan.

This effectively cuts your bill in half while still giving you access to all of the premium features.It’s the same story with AT&T and Verizon’s unlimited plans.

Check out the most popular family plans as a starting point.

Any international benefits should be eliminated.

You may have an international calling, texting, or travel add-on that is automatically added to your monthly bill without your knowledge.International add-ons on your cellphone bill could cost you anywhere from $10 to $20 per month.

Check your bill to make sure you aren’t paying for any international wireless services if you’ve traveled internationally in the last few months or used your cellphone to make frequent international calls.

Make sure you don’t see any charges on your bill with these names by looking up your cellphone carrier in the list below.

  • Verizon TravelPass is a service that helps you save money on your travel.
  • International Day Pass from AT&T
  • International Roaming with T-Mobile World Class

If you see TravelPass International Day Pass or World Class International Roaming (or something similar) on your cellphone plan, you should contact a customer service representative to have those features removed.

It wouldn’t hurt to ask for a refund for the months you were unaware you were paying for the service.If they appear hesitant, suggest switching cellphone carriers, and you should be able to get your money back.

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