What Kind of Plan Works For Me?
Did you know that 91% of Americans use cell phones? A recent study confirms what most people already know. No longer thought of as a passing fad, cell phones are the best things to have happen to society since the invention of the automobile. Every year brings more improvement and perks to the models, but the basic layout of cell phone plans and contracts remains the same. There are still three types of cell phone plans, complete with minutes: Individual, Family and Prepaid.
Individual plans are for consumers who their cell phones regularly, replacing their permanent landline in their home. They purchase a set amount of minutes by signing a one or two year contract. All minutes are “free” until they meet their limit. If they go over their allotted time limits, say talking 500 minutes instead of the 300 they bought, they will pay an additional fee. These minutes can quickly add up.
Family plans are for families and for one or two people in a group. They save money by pooling their minutes together in a contract, which also may be from a one to two year commitment. It seems like a good idea, but only if you are able to track how much minutes each person is using. Although it may seem like an economical easy fix, the minutes can add up fast, so pay attention to what you and the other people in the plan are using.
Prepaid plans are for individuals, but instead of signing a contract that guarantees the user a definite amount of minutes, they put a certain amount of money on credit to use. When the money is gone, so are the minutes, until you add more. Its sort of a pay as you go mentality, and it works best for those people who don’t use a cell phone that often or use it only for emergencies.
Take the time to investigate the various options available to you as a cell phone user. Only you can determine what will fit your lifestyle and how much you can afford. Don’t lock yourself into a two-year plan that only ends up costing you more money than you can afford, because having a contract canceled will definitely appear on your credit report as a debt.
Learn more about cell phone plans. Stop by Gary Blunt’s site where you can find out all about how to compare cell phones and what it can do for you.




