A third step toward reducing monthly expenses is to look at your cell phone payment. If you’re paying over $150 a month to use your phone, you may want to evaluate your plan to see how the bill can be reduced.
Some other alternatives:
Text Messaging Text messaging plans can be added for a small fee (usually around $6 to $10). The great thing about text messaging is that it doesn’t use up air time minutes, which reduces the need for talk and shaves money off of expensive plans or over limit charges (rate per minute charges).
Voice Over Internet Options This service consists of a software application that allows users to make telephone calls over the Internet. Calls to other users of the service and to free-of-charge numbers are free, while calls to other landlines and mobile phones can be made for a fee. Additional features include instant messaging, file transfer and video conferencing. Online phone services like Skype offer unlimited US and Canadian calling plans for $2.95 and unlimited world calling plans for $12.95 per month. Calls to friends who are also using Skype are free.
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