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How to lower your phone bill

Five easy steps to save money on your monthly cellphone bill

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Staying connected with friends and family shouldn’t come at a high cost. Whether juggling family responsibilities or simply looking to make wise financial decisions, reducing your phone bill is a smart move. Learn some savvy strategies to help you cut down on your phone expenses without compromising your connectivity.

Step 1: Use Wi-Fi whenever possible

Unless you’re on an unlimited plan, using Wi-Fi can save you a lot of money on data! 

Beyond your own home, there are plenty of places that offer free Wi-Fi – like libraries, cafes, stores, and public hotspots. If there are places you go regularly, you can save those Wi-Fi networks to your phone and you’ll be saving tons!

Remember, though, not all Wi-Fi is secure. So, be careful when connecting to public networks. Protect your information and your wallet. 

And don’t forget to turn your data off when it’s not needed, like overnight or when you are connected to Wi-Fi. 

Step 2: Understand your bill

First things first, let’s understand what we’re dealing with. If you’re anything like us, when you get your monthly phone bill you do one of two things: just pay it right away to get it over with or put it off as long as possible until it’s almost due and then pay it in a panic to make sure your phone doesn’t get cut off.

What too few people do is read it carefully line by line to make sure they understand exactly what they’re being charged. Why? Because these bills can be hard to understand.

Look closely at your bill. Are there any services you’re paying for that you don’t use? Maybe you’re shelling out for unlimited data but only use a fraction of it. Or perhaps there’s a mysterious fee that shows up every month.

Understanding your bill can be like trying to understand a foreign language. There are all sorts of charges, fees, and taxes and it can be hard to know what’s necessary and what’s not. But don’t worry; you’re not alone. Resources are available to help you decipher your bill and identify potential areas for savings.

Step 3: To bundle or not to bundle

Many phone companies offer discounts if you bundle your services. Do you have your internet, cable and phone service all with different companies? It might be time to put all your eggs in one basket. But remember, always do the math to ensure you’re saving money and not paying for a service you don’t use, like a landline.

Or consider going prepaid. Prepaid plans can be a great way to save. You pay upfront for a set amount of data, texts, and call minutes, so you know exactly what you’re spending each month. No surprises, no stress.

Prepaid plans can offer a lot of flexibility and control. But they’re not for everyone. If you use a lot of data or make a lot of calls, a traditional plan might be a better fit; you definitely don’t want to run out of data before you get to the end of the month! So, consider your usage and choose the plan that best fits your needs.

Step 4: Compare providers

Don’t be afraid to shop around. Look for deals, compare prices, and don’t be afraid to switch if you find a better option.

Shopping around can be time-consuming, but it can also be worth it. You might find a deal that saves you a lot of money in the long run. So, take the time to do your research. Future you will be grateful.

Step 5: Get ready to negotiate

Did you know you can negotiate your phone bill? It’s true! Companies want to keep you as a customer and are often willing to work with you to lower your bill. So, now that you’ve shopped around and know what the competitors are offering, pick up that phone and give your provider a call. Be polite but firm. Let them know you’re considering other options and see what they can do for you.

Negotiating can feel uncomfortable, especially if you’re not used to it. But remember, you’re not asking for a favor—you’re a customer and have the right to fair and reasonable rates. So, don’t be shy. Stand up for yourself and your wallet.

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If you’re looking for more ways to save and take control of your finances, join WorkMoney. We put in the hard work to ensure every American can afford to live a good life. 

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