Everyone would like to reduce the cost of their monthly cell phone bill, and the good news is most people can. Here are five quick and easy ways to save:

Instructions

  1. 1

    Stop paying for texts!
    With so many instant messaging clients available, there is little or no need to still be paying for a "text package". For example, Kik Messenger works across all platforms, including RIM, Apple and Android. Share the app with your friends and stop paying extra for a text package.

  2. 2

    Review your calling pattern
    Call your carrier and ask them to review with you your calling history for the prior three months.  If it turns out that over the past three months you have averaged far fewer minutes than the plan you are paying for, consider dropping down to a lower tier. You want to be careful here,  because rules differ from carrier to carrier. For example, you don’t want to drop down to a less expensive price tier if it also means losing a valuable incentive such as a free calling circle.

  3. 3

    Update your free calling circle
    Some carriers, like Verizon Wireless, T-Mobile and AT&T, offer customers the ability to select a certain number of friends regardless of carrier, and those friends are free calls. If this applies to you make sure you take advantage of it, and update your choices as your calling pattern changes.

  4. 4

    Know when to stop paying for phone insurance
    Some folks like to keep their phone long after their upgrade date. In cases where you plan to keep your phone for a long time, there will come a point when paying the monthly insurance fee on the phone stops making sense. As a rule, once you have paid into insurance the amount you paid for the phone itself, cancel your insurance and save the money. In a worst case, should you lose or break your phone, you will have an upgrade waiting and can begin the process again.

  5. 5

    Don’t pay for carrier extras that you don’t need
    If you belong to an automotive  club, then you don’t need to pay for roadside assistance through your carrier. Similarly, if you are a Verizon Wireless customer, there is no need to pay extra for VZ Navigator, since there are  many free navigation alternatives. For example, if you have a BlackBerry, use BlackBerry maps and your GPS to provide turn by turn directions. If you use an Android phone, take advantage of the free native “Navigation” app.

Conclusion

The bottom line to keeping your monthly cell phone bill manageable is to make adjustments when your calling patterns change, due diligence when it comes to checking your bill for errors, and paying for extras only when they make sense.