7 Ways to Cut your Cellphone Bill

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7 Ways to Cut your Cellphone Bill

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I Can’t Take Money Until 59 1/2

October 29, 2014

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.
Request a FREE consultation: www.oxygenfinancial.net

Securities and Investment Advisory Services offered through NFP Advisor Services, LLC (NFPAS), Member FINRA/SIPC. Oxygen Financial is not affiliated with NFPAS. NFPAS does not provide tax or legal advice.   This site is published for residents of the United States only. Registered Representatives and Investment Advisor Representatives of NFP Advisor Services, LLC (NFPAS) may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact NFPAS Compliance Department at 512-697-6000.   PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. NFP Advisor Services, LLC makes no representation as to the completeness or accuracy of information provided at these web sites. Nor is NFP Advisor Services, LLC liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, web sites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to.

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About the author

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Van Pappas

Vice President, Private CFO®

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.

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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.

This site is published for residents of the United States only. Registered Representatives of Kestra IS and Investment Advisor Representatives of Kestra AS may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact Kestra IS Compliance Department at 844-553-7872.

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. Kestra IS and Kestra AS makes no representation as to the completeness or accuracy of information provided at these web sites. Nor is Kestra IS and Kestra AS liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, web sites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to.