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One of the most important aspects of money management is identifying areas of wasteful spending. Let's look at a spending category that is a necessity but can be an area of wasteful spending if not scrutinized regularly – your phone bill.  The objective in examining your phone bill is to look at areas to lower your bill to save more money each month.

Evaluate and determine what your phone needs are. Do you need a landline and a cell phone? If not, which type of phone service fits your lifestyle? If you require both phones, what kind of plan do you need? Do you need the landline just for Internet purposes? If so, then all the extra phone features will not be required.

Next, examine the phone features you do not need. Do you really need?

1. Call forwarding
2. Call waiting
3. Caller ID
4. 3-way calling
5. Voicemail
6. A bundle package
7. Unlimited long distance
8. Phone maintenance plan
9. Unlimited daytime cell phone minutes
10. Cell phone text messaging features
11. Internet  

If a feature is not necessary get rid of it. Also, you need to know that when you modify your phone service they may try to slip in a processing charge. Therefore, verify if they will charge a processing fee before you make a change. Do you have long distance on your cell phone? Then why do you need unlimited long distance on your landline? Bottom line: consider if the phone service or feature is a want or need in making your decision.

Are your phone bills making it hard to stretch your hard-earned money? What are you going to do about it?

Sharman Lawson a columnist on Fabulously40, and a financial coach, speaker, and author of the book 12 Steps to Eliminate Debt Forever! Visit her website: [Link Removed]

Sharmanl, Your links have been removed, please consider upgrading to premium membership.


Member Comments

    • 0 votes vote up vote up

      (華娃娃) ChinaDoll wrote Feb 16, 2009
    • My phone bills are high... with land and cell.  I need both for I do not like to be on cell all the time.  Land gives me better coverage and unlimited long distance day and night.  Cell is for on the go and business.  I do agree - it is getting ridiculous.

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    • 0 votes vote up vote up

      Cara Davis wrote Feb 16, 2009
    • I always ask if this is the best rate they can give me....I cite number of years as a customer, payment history, lack of contract and competition. This has worked on my phone/internet/cable bill, by cell phone bill, my termite contract and most recently my home security bill....they took 13 dollars off a month! Always ask for a better deal! estatic

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    • 0 votes vote up vote up

      Onevision wrote Feb 20, 2009
    • Thank you! I don’t like bills, especially high ones!

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    • 0 votes vote up vote up

      Waxwing wrote Mar 1, 2009
    • We saved money on our phone bill by getting one of those “bundle” deals and one bill with Internet, basic cable, and phones with one provider. Our cable bill went down as did our phone and Internet - we now save about $40 a month on all three.

      I also no longer have long distance on our home phone. Since my cell has free calling on weekends and no roaming charges as well, I make charge calls during that time.
      If I do want to make a long distance call to my family in Portugal or France - I buy an international calling card and use that.

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