Advertising

How to Save Money on Your Monthly Phone Bill

Advertising
How to Save Money on Your Monthly Phone Bill

Families in the United States squander around one hundred and thirty nine dollars each month on cellular phones according to J.D. Power and Associates. This is above the one hundred and twenty seven monthly in the year 2009. And based on the reports of the Bureau of Labor Statistics in 2011 household spending on cell phone services shot up by above 4.5% and since the year 2006 has increased over 20%. While there are methods to get free home phone using Google’s GV service as I talked about on this post on CorVoIP website, we are mostly talking about cellular phones.

Avoid Wireless Charges You Don’t Use

Todd Dunphy used to work closely with Verizon and he helped develop the mobile phone analytics organization called Validas. Todd has partnered with ABC News “Real Money” team in an attempt to do away with “wireless waste”, which is data, minutes, and texts that haven’t been put to use. Validas is a business that executes evaluations of cell phone utilization for big organizations, and they just lately released Savelovegive (SLG) the very same service for no cost at all to consumers. Its creators plan for the website to turn that “wireless waste” into something useful although the service is free, inviting people to pledge a small amount of their savings to charity. The company doesn’t take a cut from users’ donations. Even if you do not want to take your phone with you in case your CDMA does not work abroad, you could get same apps on your laptop through the infamous hack of emulation.

Advertising

“So you have your savings linked to a foundation for the empowerment of women we built in microphilanthropy inside the app”, according to Dunphy. You can take a bit of that savings and redirect it. Or you can preserve it all for yourself, it’s no big issue. But we developed a vehicle.

Validas claimed that when it comes to monthly mobile phone bills 80% of the American population overspend by about $200 every year. As soon as Dunphy looked over the bill of Barry at SLG, he figured out ways to save much more than that almost instantly.

Advertising

Though SLG automatically prepares an email that customers may send to their carriers to switch plans, Barry went into an AT&T retailer to switch his plan face-to-face. Because Barry changed his plan to a MobileShare with 6GB of data monthly and adding a corporate discount he’ll go on to save about $1,400 within the year.

Pro Tips to Save Your Cell Phone Bill

If you are ready to lessen your bill and make sure you have a cellphone that fits you perfectly check out some of Dunphy’s effective tips below.

Advertising

1. Let free sites figure it out on your behalf—just plug in your cellular phone number. At SLG, you log in with your carrier account information, giving the site access to your previous bills. By taking a look at usage and charges the website analyzes the bills. Once the analysis is complete it will compare your plan to other plans on hand and give you ways to switch up the plan you currently have and save. At the moment customers of AT&T and Verizon are who SLG works for, but the website expects to expand to other carriers soon. Another analysis site is Billshrink. When it came to Barry he was only utilizing 2.5 gigabytes of data each month, but he was purchasing a total of 8. By bundling talking and texting into one new plan, he could save nearly $1,200 a year. You can also check out VoIP plans to use when you are at home or even there are VoIP plans for small businesses.

2. Look for sneaky charges like horoscope texts, roadside assistance and 411.
Very small charges can be added onto your bill without your knowledge. According to research done by the Citizens Utility Board and Validas it’s over five dollars each month on average. If you notice a charge doesn’t look right call your carrier immediately to get them to get rid of it.

Advertising

3. Obtain your discount.
In order to get their employees discounts many companies work with mobile phone carriers. It’s not merely for corporate workers – teachers, government workers and even students can qualify. But the key is that you must ask for it, entering your company email on the carrier’s discount site. Examine the discount pages at AT&T, Verizon and Sprint. Barry will qualify for a discount of upwards of twenty five percent since his employer was just bought by IBM – check yours here. The discount may save him yet another $200 yearly. Dunphy told ABC News that Barry’s situation was standard.
A good deal of it is awareness, he explained. Awareness of what’s out there and then also figuring out what you use and what’s out there. It’s like going and acquiring a suit or a dress, getting it perfectly customized to you.

More by this author

Mukesh Agarwal

Professional Blogger

5 Lesser Known But Powerful Tools to Increase your Productivity Perfect Hack To Get A Lot Of Instagram Followers Save Your Eyes from Eye-strain from a Bright Screen How to Make Money From Ebay and Amazon Without a Product to Sell Is Twitter Working for Your Business? The Perfect Hack To Get A Ton Of Twitter Followers

Trending in Money

1 How To Achieve Financial Freedom With the Right Mindset 2 Financial Freedom is Not a Fantasy: 9 Secrets to Get You There 3 40 Healthy And Really Delicious Meals You Can Make Under $5 4 Life Insurance: A Secure Way To Protect Your Future. 5 How To Save Money On Groceries: 13 Quick Tips

Read Next

Advertising
Advertising

Published on November 8, 2021

How To Achieve Financial Freedom With the Right Mindset

Advertising
How To Achieve Financial Freedom With the Right Mindset

What would being financially free mean to you? Have you made the mistake of thinking that financial freedom requires millions of dollars and decades of hard work? When it comes to our relationship to money, the answers really lie in our mindset. Change your mindset around money and your entire financial outlook will change with it.

And no: we’re not talking about putting a check for a million dollars under your pillow at night. This is about you becoming a financially free person, in whatever capacity you choose. And that’s really the key: it needs to be defined by you. So many people outsource this responsibility to society/celebrities/the government etc… and as a result never achieve it.

What if you could identify what financial freedom looks like for you, realize that it is possible to get there in a matter of a few months and then build a road map to do just that?

Read on, because that’s what we’re going to open you up to. This isn’t about giving you specific strategies “guaranteed to work in five minutes or your money back…blah blah.” This is about awakening you to just how powerful you are, where your blocks lie and how to smash through them effectively.

Financial Freedom – What is it?

Well like I said: I’m not going to define this for you. That misses the whole point of this article, but let’s lay out some ideas to get you started.

Typically, when we talk about financial freedom in the west, we really mean: freedom from needing to work, in order to meet financial obligations. We know that there has been a rise in depression amongst nine-to-fivers, 62% as a matter of fact between 2019 and 2020 in the USA.[1] It’s therefore no wonder that there has been correlative uptick in the search for alternative solutions to finances.

This depression is largely as a result of feeling trapped, unable to realize potential and being denied opportunity. It is also likely that, thanks to a more global world and social media: we see just how abundant life can be for some; like a carrot dangled tantalisingly close, but just out of reach. We yearn for more meaning in our lives, more excitement and to be able to live on our terms.

Advertising

Finances are (as we see it) the stumbling block and the preserve of the chosen few…not us.

So to start building an accurate picture of what financial freedom would be for you, begin with what your life would look like if you didn’t have to worry about money. How would you feel if you didn’t have to consider your monthly budget, when putting your hand in your pocket to pay for lunch?

The point is that a lot of the stress and resulting depression that comes from feeling like a ‘wage-slave’ is down to our lack of clarity on what we actually want. We get caught, focussing on what we lack and that perpetuates a mindset of lack that very quickly is reflected in our reality. We are allowing our subconscious, emotional mind to be bombarded with imagery every day that reenforces a sense that we aren’t good enough. That we do not have what it takes.

That wouldn’t happen though if we had done the work of pinning down exactly what we wanted in the first place.

Does Financial Freedom Come at Extreme Levels of Net Worth?

There is a tendency, thanks again largely to how we are conditioned through media, to think that financial freedom only comes at extreme levels of net worth. What if I told you that is completely ill-founded and untrue?

Using the standard/assumed definition of financial freedom for a moment; this means that you need enough capital to generate a return that is greater than, or equal to your monthly expenditure. That doesn’t necessarily tell the full picture, but nevertheless; it’s is a good place to start.

If your monthly outgoings (mortgage, bills etc…) come to $3,000 for argument’s sake, you can achieve that with as little as $108,000 invested over three years.[2]

Advertising

Hardly the millions you had probably envisioned is it?

Remember: we’re not talking about you living a lavish lifestyle necessarily. If that is what you want; fantastic, it’s certainly achievable, but what we’re getting at here is your ability to meet all of your financial obligations without having to work.

I’m sure you’re unlikely to find $108,000 down the back of your couch, but it is a figure that is well within reach of most working adults. A $36,000 salary opens you up to borrowing that kind of money, and even if you have to continue working in the short term in order to service the debt and keep up with your bills; you’ll have a clear end goal in sight.

And you’ll have doubled your income in the meantime, for the same amount of work!

How To Achieve Financial Freedom With the Right Mindset

As we touched on earlier, coming at your life from a space of ‘lack’ simply perpetuates more of the same. As I always say: your environment doesn’t lie. Look around you, if you’re dissatisfied with any aspect of your life, you first need to accept responsibility for it. If you don’t, you’re abdicating your power to make new choices.

You may well have been the victim of circumstance in the past, but how you respond and what you do with that experience is up to you. If you choose to look for the positive, however minor it might be in any given situation – your experience of life will begin to change.

This is, in essence, what The Law of Attraction is all about. What lies behind it is your reticular activating system (RAS). The part of your brain designed to filter out the (as it sees it) unless information, highlight the important information and prioritize your safety. Thanks to it being part of your primeval/‘lizard’ brain however, it predates the conscious mind, intellect and reason.

Advertising

The issue for a lot of us is that we haven’t understood how to communicate in a way that our RAS understands. We can’t translate our conscious desires and are therefore caught in a loop between two incongruous forces.

Our subconscious wants us to be alive and it bases its criteria for this, largely on the principal of: same = safe. Meanwhile, your quality of life, passive income, work/life balance etc… are inconsequential. That part of your mind doesn’t give a hoot about the utility bill or being able to afford a holiday.

It is perfectly possible to show you subconscious/RAS the benefits of financial freedom though, or indeed any other outcome you’d like to see in your life. You just have to speak its language. Becoming debt free and financially free is actually one of the easiest things you can communicate to your subconscious, because you have so much ‘real-world’ experience with money.

Here’s how:

  1. Start by clearing your mind and being present – find a meditation, visualization or breathing exercise that calms your mind, allows you to focus on the present moment and become an observer of your surroundings. The point of this is to stop all of those thoughts buzzing around in your head that are pulling you back to the past, or projecting you into an imagined future.
  2. Then build a mental movie or slideshow of what your average day would look like, were you to achieve financial freedom. We’re not talking about big occasions, huge wins or events; just an average day.
  3. From your position of present observer – start to observe the feelings that arise as you go about this average day in your new life. Do you feel your shoulders relax and drop? Have you got excited ‘butterflies’ in your stomach? Are you smiling more?

Learn to recall these feelings at will – this will connect the dots for your RAS and you will soon start noticing a shift. Think of it as connecting with your desired future and pulling it into/towards your present.

Bonus Hack – Practice Gratitude

We’ve already discussed how you can start attracting/observing the opportunities that will enable you to achieve financial freedom. This involves a lot of work in order to finesse, but the principals are easy enough to understand. Something that we can all do, no matter what we’re trying to achieve, is practice gratitude.

Using the same principals that I’ve outlined above: something of a ‘catch-all’ that we can train our minds to produce more of, is gratitude. If we can shift our mindset so that the next time some negative, external and unforeseen event occurs, we are still able to be grateful for it; your entire experience will shift.

Advertising

Not only will you observe more to be grateful for all around you on a daily basis, but you will shift out of a mindset of ‘lack’. All of the barriers that stood in your way before (not enough capital, stuck in a job I hate etc…) they will shift to becoming things that support your desires and goals.

For example:

The job you hate, when reframed as the means to support a transitional stage of your life (i.e. enabling you to borrow money to invest) suddenly gives you a resource to be grateful for.

The added beauty of this is that your RAS doesn’t know the difference between a big win and a small win. You being truly, deeply grateful for your socks (for example) carries the same weight as being grateful for your health, or your spouse. This is why I say “practice” gratitude. You can start whenever you want!

Look around you right now and find something that you really are grateful for, no matter how small and seemingly inconsequential.

Practicing this will create a snowball effect. Much quicker than you might think: you’ll be overwhelmed with gratitude for your life and all that’s in it.

In Summary

Financial freedom is more within your reach than you probably think or feel. Understand that the limits you’re assuming to be there are largely a product of your subconscious mind, having been drip-fed evidence of that over the course of your lifetime. Changing that might take a lot of effort in the short-term, like cranking over an old car, but the effects will begin to build up quickly and self-perpetuate.

Advertising

Apply this mindset to your financial situation and you will find that it too will begin to ‘snowball’. Financial freedom is closer than you think, so start looking for it today!

Featured photo credit: Pepi Stojanovski via unsplash.com

Reference

Read Next