5 Clever Moves to Pay Less for Your Phone

Man using smartphone outdoors with palm trees and building background for financial app or online banking context.
🔎 Disclosure: WE DON’T SELL ANY COURSES. Money Vice is reader-supported. When you buy through our links, we may earn a commission at no extra cost to you. The ideas presented on this site are opinions and are presented for entertainment purposes only. We’re not licensed financial advisorsThe information presented should not be construed as financial or legal advice. Always do your own due diligence.

1. Switch to a Cheaper Plan That Fits Your Needs

I used to pay way too much for my phone bill.

The crazy part? I didn’t even use half of what I was paying for.

You know that feeling when you realize you’ve basically been tipping your phone company for nothing? Yeah, not fun.

Carriers love selling you the “premium” plan with all the bells and whistles. But most of us don’t need it.

Instead, look at your last three bills. See how much data you actually use.

If you’re not maxing it out, downgrade to a smaller plan.

There are even budget carriers that use the same towers as the big guys, but charge way less.

FYI, switching carriers isn’t as scary as it sounds.

👉 Here's How You'll Do It: Check your average data use in your phone settings, then compare cheaper plans on sites like WhistleOut and pick one that matches what you actually use.

2. Stop Paying for Unlimited if You Don’t Need It

Ah, unlimited data. Sounds sexy, right? Like bottomless fries.

But here’s the truth: most people don’t need unlimited.

Unless you’re binge-streaming Netflix in 4K on your commute every day, you’re probably not using that much data.

Carriers love the word “unlimited” because it makes us feel safe, but it’s really just a way to squeeze more cash from our pockets.

I dropped unlimited, and guess what? My life didn’t end.

I still scroll, stream, and doom-scroll YouTube like the rest of us.

👉 Here's How You'll Do It: Look at your data history, and if you average under 15GB a month, switch to a cheaper limited plan using your carrier’s app.

3. Take Advantage of Wi-Fi Everywhere You Go

Here’s my favorite hack: Wi-Fi is free.

Well, technically, you already pay for it at home, but outside? It’s everywhere.

Coffee shops, libraries, airports, and even that sketchy taco stand have Wi-Fi now.

The more you hop on Wi-Fi, the less data you burn.

It’s like getting free gas for your car every time you pull into a random parking lot.

And yes, use Wi-Fi calling. That’s one of the most underrated features ever.

👉 Here's How You'll Do It: Turn on Wi-Fi calling in your phone settings and set your apps (like Spotify and Netflix) to download stuff only when connected to Wi-Fi.

4. Share a Family or Group Plan

This one’s golden.

When I first heard of family plans, I thought, “Cool, but I don’t have kids.”

Turns out, you don’t need kids. You just need friends, roommates, or your abuela.

Group plans almost always give discounts because carriers want to lock in multiple people at once.

So why pay $70 alone when you could pay $30 on a shared plan?

Trust me, even my introverted self jumped on this, and it worked out.

👉 Here's How You'll Do It: Ask a sibling, roommate, or close friend if they want to split a family plan, then sign up together through your carrier’s “multi-line” option.

5. Ask About Loyalty Perks and Special Deals

This last one? Pure gold.

Carriers actually reward people who ask.

I once called my provider and straight-up said, “Hey, I’ve been with you for years. What can you do to lower my bill?”

Guess what? They gave me a discount on the spot.

They won’t tell you about these deals unless you push for them.

Sometimes they’ll even throw in free streaming services or device discounts.

It’s like haggling at a Miami flea market. If you don’t ask, you don’t get.

👉 Here's How You'll Do It: Call customer service and politely ask if they have any loyalty discounts or current promotions available, then compare them to what competitors offer.

📌 SAVE IT FOR LATER, BABY! 📌


And that’s it!

Never forget it, baby… 

✌️ Your Rich Life Is Waiting For You! 

😉 Dale!

Photo of author

Claudio Garcia

Hi! I’m the founder of Money Vice and a passionate personal finance enthusiast. I started this site to help people across America save more with the least difficulty, get rid of debt, and to start putting their money to work (in the easiest way possible).