The Average Phone Bill and How to Beat It

One of the easiest ways to save money is to make sure you're only paying for what you actually need. Many people pay for unlimited data or extra features they barely use. Instead, match your phone habits to a plan that fits your lifestyle.

Here’s a quick way to figure that out:

• If you use less than 5GB of data a month and have a low income, you can likely qualify for the Lifeline program and pair it with a low-cost carrier like Mint Mobile (plans starting at $15/month with nationwide 5G coverage with no surprise fees) or Ultra Mobile (plans starting at just $10/month for multi-month commitments, with unlimited talk and text). This combo can lower your bill.

• If you use between 5GB and 15GB and have an average income, try switching to a prepaid plan with carriers like Mint, Tello, or US Mobile. These often cost less than what major carriers charge and because you prepay them, you won’t end up with a surprisingly high bill at the end of the month.

• If you have a family of three or more, look for multi-line prepaid bundles. These let you split the cost and save hundreds of dollars per year.

BillCutterz can negotiate your bill down on your behalf, without much work on your part.

If you have a tight budget, government programs can help you save money on your phone bill—sometimes a lot. It’s important to note that these programs aren’t “handouts”. They’re benefits that many Americans have already earned and millions of people qualify without knowing it.

The Lifeline program gives up to $9.25 off your phone bill each month if you meet the income requirements. It works with many low-cost carriers, so you can combine it with an affordable plan and cut your bill in half or more.

If you are struggling to make room for a cell phone bill in your budget, consider looking for ways to get this service for free. If you don’t use a lot of data, you may be able to save with these workarounds. These options are great for people who use their phones mostly for texting and WiFi-based apps instead of heavy streaming or gaming.

• Use free public WiFi and calling apps like TextNow or Google Voice to call and text.

• Buy a prepaid SIM and reload it only when you need minutes or data. Some people spend less than $10 a month this way.

• Connect to WiFi at libraries, schools, or community centers, which often have strong, free internet.

• Share a family plan with a trusted friend or relative to split costs.

Buy a used phone outright instead of a new phone that requires monthly payments.

Once you find the right affordable phone plan, don’t stop there—there are additional ways to save even more if you know where to look.

• Check for work perks. Some employers help cover part or all of your phone bill, especially if you use your phone for work tasks on the regular. It might be a monthly reimbursement or a discount through a company phone plan. Ask your HR team—it never hurts to check.

• Use a rewards credit card. If you pay your phone bill with a credit card, you could get money back. Some cards offer 5% to 10% cash back on recurring phone payments. That’s free savings just for using the right card.

• Consider annual plans. Paying monthly might feel easier, but if you can afford to pay for the whole year upfront, you’ll save big. Some carriers offer substantial discounts when you choose a 12-month plan. It’s a smart move if you’re happy with your coverage.

• Become a WorkMoney member. WorkMoney members can access exclusive savings with major carriers like getting 15% off their first month of Ultra Mobile service with code WORKMONEY15.