by Leigh Goessl

Created on: July 31, 2008   Last Updated: August 22, 2008

These days a cell phone has become more of a necessity rather than a luxury. The growth of technology has created an on-demand society and cell phones play a significant part in this way of life.

While the benefits of cell phones are many, a significant downside to them is the costs associated with owning one. Cell phone plans used to average around $40 a month, but with all the services and features offered, this bill can easily inflate to almost $100.

Cell phone salespersons are quick to offer information on nifty features you can buy, but not as generous in explaining the specific costs associated with services and contracts. With the hidden fees, extra features and contract lock-ins, your cell phone bill can quickly exceed your budget if you aren't careful.

Saving money on your cell phone bill can be a little tricky, but if you understand the ins and outs of how providers work it doesn't have to be. Whether you are in the market for a cell phone and carrier or already have a plan, you can save money on your monthly cell phone bill.

HOW TO SAVE WHEN LOOKING FOR A CELL PHONE PLAN
One of the best ways to cut costs on your cell phone bill is to do it right from the beginning. Before you buy a phone and/or plan, it's a good idea to decide what your requirements are before you even purchase a wireless phone.

If you do your research ahead of time and know what features you'll need and what ones you don't, it will be easier to handle the savvy salesperson who will be trying to convince you to purchase extra features or services which won't match your basic needs. As you list your needs, in order to make the most cost conscious decisions, ask yourself the following questions:

- Where will the phone be used the most?
- Do I really need unlimited text messaging?
- Are roaming charges a concern?
- Does my family need so many individual cell phones?
- How much can I afford in a basic plan?
- Can I afford those "extras"?

Once you've pre-established your needs before purchasing a cell phone and plan, it's easier to stick to your requirements and keep your monthly bill down. As you evaluate the options, you should list your "absolutes". Additionally you should do research on the many carriers, decide what kind of phone and services you need, know the coverage areas for each provider and check out any potential promotions. By taking the proactive route, you can easily customize your cell phone bill to fit within your budget.

HOW TO SAVE IF YOU ALREADY HAVE A CELL PHONE
If you already

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