1. Use Wi-FiUse a Wi-Fi connection whenever you can, especially at home or work. Data overages can pile up quickly, so you want to make sure you stay within your monthly limit by only using 4G/LTE when you need it.
2. Cut the Insurance
Insurance for your cell phone? No way. If you truly need “insurance” for your cell phone, then you’ve bought a cell phone that you can’t afford. In other words, if you don’t have the cash available to replace your phone if something happens to it, then your phone is too expensive for your budget.
3. NegotiateWhen you’re in the market for a new phone, don’t just assume you can’t talk down the price. Go to the store and talk with a salesperson to see if you can get the activation fee or upgrade fee waived. If you’ve been a customer for a long time, then be sure to bring that up. Use whatever leverage you have, including fees—or the lack of fees—from competitors.
4. Buy Out-of-Contract PhonesCell phone companies know how to make money, lots and lots of money. One way they do that is through contracts. To buy their phone, you’ll have to sign a two-year contract to use that company’s services. If you attempt to switch carriers, you’ll get hit with a ridiculous cancelation charge. So what do you do? Buy out-of-contract, gently used phones. Ask around. Look online. No, you won’t be able to get the hottest, newest smartphone this way, but you can get a really good smartphone without locking yourself into one company for years to come.
5. Cut Out the Stuff You Don’t UseThis might seem like common sense, but you’d be surprised how many people don’t even look at their cell phone bill. They continue paying for things they never use, like emergency roadside assistance, 411, and “enhanced voicemail.” Sit down, look long and hard at your phone bill, and determine if you really need everything that’s listed on it.
Tips by http://www.daveramsey.com/
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The Pathways Team