Talk when minutes are free

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Sometimes a few simple adjustments can make all the difference in lowering your cell phone bill. For example: if your provider offers free minutes after 7pm, start calling Grandma at 7:01pm instead of 3pm. Also, most providers offer free calls to people on the same network anytime during the day or night. See who your friends use, and--if it’s the same provider--talk away! If not, save the gabfest for a night or weekend. Some other simple ways to cut down your cell phone bill: check your monthly minutes to make sure you avoid overage charges. And, when possible, use your landline for local and toll-free calls.

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