4 Tips: How to Lower Your Cell Phone Bill – NSC Series

How to Lower Your Cell Phone Bill

I got our cell phone bill in the mail today and was shocked, once again, at the astronomical price they charge. Unfortunately, many people feel stuck paying the huge fees because cell phones have become a necessity. However, here are 4 Frugal Tips I’ve discovered as I research how to lower your cell phone bill. Hope they help!

How to Lower Your Cell Phone Bill with 4 Frugal Tips


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As some of you may know, we are in the midst of our first ever No Spend Challenge (NSC) which started January 1.

The short story is that my wife and I racked up a ton of debt (read how HERE) and want to pay it off as quickly as possible so that we can live our dream lives (read about our goals HERE). This challenge will help us learn about living frugal, saving money, and paying off our debt faster.

Visit our post, Frugal Living at its Finest: the No Spend Challenge, to view why we are doing the challenge, what the challenge entails, and the rules.

The hardest thing about budgeting and frugal living is doing it alone and that’s why we want to invite you all to join us on our NSC. Sign up below to opt-in to our email community, filled with exclusive tips and tricks for saving money to survive living frugal during your NSC month.

Follow our rules or make your own! Join for one week or the entire month! We know that not everyone is in the same situation we are in. Stick with the No Spend Challenge for as much or as little as you are able in your situation and don’t be afraid to hop on after the starting date (it’s never too late to join in on the fun!).

We’ll be taking the challenge right alongside you – with daily blog posts, encouragements, and exclusive email information and communication: this will be the single, greatest choice you make to jump start the New Year.



4 Frugal Tips: How to Lower Your Cell Phone Bill

Yesterday as I walked into my workplace, I noticed a co-working looking frustrated. He was staring down at his cell phone screen where a large crack was spread. Of course, this co-worker has not always been the most careful, so I was not surprised to hear that he had dropped his phone on the cement on his way in today.

“It’s dead.” He said, annoyed.

“That sucks.” I responded, what else can you say? The screen had cracked and the phone could still turn on and work, but unfortunately it would no longer pick up any reception. It was a goner. The phone company was unable to fix it.

$350 later and my co-worked now has a new phone through his company so that he can receive calls again. He went with an indestructible phone (good choice for him) and is mostly happy, but is $350 poorer.

Anyway, why do I tell you this? Well, it’s simple: phone companies are eating our money. They simply don’t care whether you have the money or not – they will suck you dry. Unfortunately, I’ve heard many stories of people going into debt just to buy a new phone when they feel like they need one or to pay their bill so that they don’t lose reception. It’s a viscous cycle – and if you’re already in debt in other areas, it can consume you quickly.

Now, I know that phone expenses are important to many people, but here is how to lower your cell phone bill with 4 frugal tips.

How to Lower Your Cell Phone Bill: Make a Call

Many people don’t realize that lowering your bills can be as easy as making a phone call. When I went to check my bill today, I noticed that both of the cell phones on my plan were being charged at differing rates – a good reason to make a call.

But you can also call just to lower your plan if you can’t afford what they are charging. Most times, the companies will be willing to create a better deal with you or work with you in some way so that your fees won’t be so high. Now, there are a couple of companies who will feed you lines or come up with reasons not to lower your bill. However, if you are legitimately struggling to make your monthly payments, most businesses will work with you regardless and all it takes is a few minutes of honest conversation on the phone.

How to Lower Your Cell Phone Bill: Don’t Sign a Contract

Signing a contract is one of the most frustrating things that you can do for a cell phone plan. Trying to figure out how to lower your cell phone bill? Don’t sign one!

You see, once you sign a contract you are committing to paying for that phone for the length of the contract (generally two years). If you find a time where you can’t pay the plan, they’ll charge you through the roof in late fees. And if you ever want to change plans or go through a different company, don’t expect to get out easy. Cell phone companies will happily charge $500 or MORE to switch plans mid-contract.

By utilizing a contract-free plan, you’ll be able to switch to lower rates for deals that occur and have more freedom with your plan. If you end up using less minutes than you need, you won’t have to pay for them! Signed a contract for two years of data and now wishing that you didn’t have to spend $30 a month on it? Too bad! If you didn’t sign a contract though, you’re in the clear.

How to Lower Your Cell Phone Bill

How to Lower Your Cell Phone Bill: Change Your Plan

If you’ve signed a contract, you’re pretty much stuck in the plan that you have. However, if you are just figuring out how to lower your cell phone bill and you haven’t signed a contract, you’re in luck!

Take a few minutes to analyze your last month’s cell phone usage. Look at all areas: minutes used, texts sent, and data used. Did you reach your limit? Did you go over your limit? Did you go way below your limit? All of these can help you to determine which cell phone plan is right for you.

If you’ve gotten to the end of the month with a ton of data leftover, perhaps you should think about signing up for a plan that has less data -which means paying less each month. Unless you have an unlimited plan for talk and text, you should do the same for these. Using less means paying less. If you think you can get by without one or two of the three options, cut them off your plan!

How to Lower Your Cell Phone Bill: Pay Only $5 a MONTH

You can also save money by switching companies. Scout around for deals because you never know what is being hosted in your local region.

However, if you really want to learn how to lower your cell phone bill, the best tip I can give you is to switch to Republic Wireless.

Is Republic right for me? Smartphone plans starting as low as $5 per month.

Yes, you heard that right and no, you probably haven’t heard of them before. What makes them so special? You can get your cell phone plan starting at only $5. $15 for data and whatnot.

Can you believe that? $5 a month for a cell phone plan. That doesn’t even seem possible, but it IS.

4 Frugal Tips: How to Lower Your Cell Phone Bill

There you have it. Some great tips to help you lower your cell phone bill and start paying less. Here’s a quick overview of what we discussed:

  • Call your cell phone company
  • Don’t sign a contract!
  • Switch your plan
  • Scout out deals and pay only $5 a month

Onward and upward we move with today’s quote (yes, it’s day 8 already) by Suze Orman.

Quote - Day 8

“Make this the year you tackle that credit card debt once and for all.” – Suze Orman

I’ll admit, it’s not the MOST inspirational of all the quotes I’ve posted, but it’s a goal and a goal is what we need. Make 2016 the year you pay down all that credit card debt, student loan debt, mortgage debt, or whatever it is that is holding you back: you can do this. Make this the year.

What are you doing this year that will aid you in gaining financial freedom?

Leave your response in the comments below!


Disclaimer: Some of DIY Jahn posts contain affiliate links. While I do earn money through Fronto, Ibotta, and other companies, and bonuses for referring people, all of my opinions on the company are 100% honest and my own. Also, please note that recipes, fitness tips, and financial tips are not given by a professional. To understand what this all means for you, click here.

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