Frugal Advice: Ripping Your Cell Phone Bill
In your journey towards becoming free from debt, cutting back on your expenses is vital. Along the way, you have to make some sacrifices to fulfill your goals of pay off your debts. You may have understood how necessary it is to consider a frugal lifestyle to ensure that your success in knocking down your obligations.
In this manner, let’s ponder on slashing or ripping your cell phone bills as one of the frugal advice that you may consider.
Does Having A Cell Phone Essential?
In the early days, people were able to live without cell phones. However, as technology evolves so as the needs of the people, and the likelihood to gain access to its benefits. However, some may perceive the need for having a cell phone as a means to communicate to their loved ones or for purposes that are assumed to be essential to one’s living. This is true, as it depends on the financial situation you’re currently facing.
In the case of those who are struggling to pay off their debt, giving up your cell phone can free up huge expenses that can be used for debt payments. Besides, slashing your bills to save money is feasible if you start strategizing your expenses. Moreover, it’s a matter of setting your priorities in place and weighing the end result that you can attain when making these sacrifices.
Review Your Cell Phone Contract
You might take a look at your contract as most cell phone companies offer lock-in contracts to ensure their gain. In contrast, considering the progressing competition in the Canadian market, most providers tend to offer favorable deals than when you initially signed up for the contract.
You might consider reviewing terms and conditions stipulated in your contract to scrutinize for a suitable means that is accessible for you. Besides, if you see that there are certain areas in your plan which you really don’t utilize much or may not be necessary, canceling or disabling these features might reduce the cell phone bill that you’re paying each month.
Skip Your Data Plan
Gaining access to your data plan is a great offer as it allows you to check important e-mails, and enables you to manage your social media networks for your business. However, if you’re data plan is merely to stay on top of your fav restaurant reviews or to gain access to the latest movies online, considering to cancel or skip this offer will save you money.
In fact, if you really don’t need to constantly check your e-mails or any site, you can still gain access through the free WiFi from stores and shops. By doing so, you are practically strategizing your spending. The key is your will to save more money and the right attitude on how to execute it.
Using Skype For Calling Long Distance
If your monthly minutes for calling long distance is ripping your pocket, you should consider using Skype, which is available for free downloads for Android and Apple phones. If you’re paying more than $2.99 in your long distances charges, this amount in Skype allows you to enjoy unlimited calling across North America.
If not, you might need to check your plan and see if you can avail of cheaper offers. Well, of course, you need to have data or WiFi connection to use it. The point is, to find strategic means, which can reduce your expenses or even better eradicate it.
Skip The Big Providers
Several providers carry an outrageous cost, unrelenting upgrades, and extra charges that tears your finances. Rogers, Bell, and TELUS are just among those who have established a name yet incorporate a huge expense as compared to new providers such as Mobilicity, Public, and Wind Mobile that may cost you lesser in terms of pricing. Though some of which may have issues when it comes to coverage, what you really need is just a matter of reviews and research to see if it suffice the needs of your area.
Putting into consideration that you might be situated in a rural area, you’ll be left with no choice but to choose between the big providers. However, for as long as you know how much you need the features on your plan, it would be easier for you to decide whether to cancel it or find ways to sustain it.
Turn Your Back On That New Phone
Don’t deny it – getting the latest technology is a desire for most people. No matter how exceptional your phone is, there is always a greater desire to own one, which is more advanced and sophisticated. The fact is, no matter if you’re able to own the most sophisticated phone, there will come a time that it’s going to be obsolete.
Furthermore, it matters a lot if you stay behind. Certainly, your friends will not talk about how smoothly your game runs on your phone and how cool the features are, but you’re into a most important game plan, which will determine the pedestal of your future. Moreover, you must think of the best outcome it can serve you in the future and not the comfort that you can get at present.
Don’t Be Lethargic
On the last note, the hassle of switching providers or modifying your plan might be an excuse for you to be complacent with what your cell phone cost you. But, if you’re really into knocking down your debts, you shouldn’t be lethargic to figure out what you need to do. Besides, at this point in your life, every single penny spent matters.
CONSUMER PROPOSAL EXAMPLE
Example Unsecured Debts
|2||Credit card 1||$6,812|
Your Monthly Repayments Would Be
a Consumer proposal $748
(total contractual repayments)
a Consumer proposal $295
(total contractual repayments)
* Subject to creditor acceptance
* Payment subject to individual circumstances
* Credit rating may be affected
* Fees apply, subject to individual's circumstances.