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How to Get a Smartphone Without Paying for an Expensive Data Plan

How to Get a Smartphone Without Paying for an Expensive Data Plan


    The phone carriers have figured out many ways to lock people into monthly plans that they don’t really need. The most basic example of this is the requirement on all the large carriers to pay at least $30 / month for a data plan for the right to use a smartphone on their network. This isn’t connected with their subsidy of your phone since they won’t even let you buy your own smartphone on eBay and then use it without a data plan. They justify this by saying people will need to use up large amounts of data anyways on their phone, so it is for the customers own good that they’re forced onto a data plan. Is there any reason to think otherwise?

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    There are some possible reasons why someone might want a smartphone without a data plan. For one, a smartphone is a powerful mini-computer, and people might want to have access to one, even without a constant Internet connection. One can take notes and set reminders, take pictures, and read books, listen to music and play games on a smartphone. Since the phone can sync when in a WiFi area, one can see recent news articles, emails and driving directions even when outside of a wireless area. In fact, since WiFi is so widespread, people often have little need for the data plan since the WiFi access is almost always better. Is it really necessary to have a constant internet connection even during the short amount of time one is away from WiFi? I think there are many people who would be willing to slightly disconnect for short moments during a day, even if it means the phone carriers would be earning $30 less a month. But are there any ways to avoid these fees and still get a smartphone when the carriers are in control?

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    There are a few possibilities. One option would be to forgo having only one pocket device and get a “dumb” phone for phone calls and a separate “mini-computing” device for everything else. This other device could be an iPod touch, a Galaxy player or a used smartphone. (See this post for an older possibility). If one doesn’t need the very latest technology, there many cheap used smartphones available on eBay. However, it becomes somewhat annoying to have to always juggle two devices. There’s fair amount of overlap between them, so it just seems very inefficient to have to carry two of them. If one is on a GSM plan such as AT&T and T-Mobile, one can buy an unlocked smartphone separate from the carrier and try to use it on the regular plan simply by putting in the SIM card from the dumb phone. However, this may go against the terms of the carrier. In addition, if AT&T can detect it is being used in a smartphone, it will automatically add a data plan to the person’s account. Currently one can avoid detection by making sure the smartphone wasn’t made for AT&T, but even that option might not last forever.

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    The final possibility is to get a prepaid plan. If you don’t need that many voice minutes, this can be much cheaper than standard monthly plans. The big four carriers all offer some form of prepaid plans, but to get bigger savings you will need to look elsewhere. Some of the biggest prepaid providers are TracFone, MetroPCS and Cricket Wireless. The most important factor is that the provider has good cellular coverage in your area, so make sure to check their coverage map. The next thing to check will be the cost of the plan, of using limited data, and whether they charge more for smartphone usage. If you are on a GSM carrier, you will often be able to put the SIM card in any smartphone that you buy. If you are on a CMDA carrier (like Sprint and Verizon), you will need to buy a phone that is compatible with them and activate it with them. Depending on your needs, you may want to try some very cheap prepaid options. For example, PagePlus, which runs on the Verizon network (and is owned by them), offers a $12 /month plan. Another super-cheap option is PlatinumTel, which runs on the Sprint network.

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    To save on your paid usage, you could use free or cheap services for calls and texts when in a WiFi area. For example, Google Voice provides free texting from within WiFi and there are many different VOIP providers you could try. By picking a good prepaid provider, you should be able to save a significant amount every month on cell phone bills.

    (Photo credit: Hands on Smartphone via Shutterstock)

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    Last Updated on July 20, 2021

    Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

    Financial Freedom is Not a Fantasy: 9 Secrets to Get You There

    Have you ever considered your life now, and how it would be if you had more time to spend with your family and less worries about money?

    Nowadays, financial stress is one of the most troublesome weights in life. If you’ve ever encountered financial stress, you know the difficulty of not having enough income to pay your obligations or bills.

    Many people say that money is not the ultimate goal of life. While that’s true, money certainly plays a very significant role. The meaning of financial freedom changes with the different phases of our life, but ultimately, it is something that many people strive for.

    In this article, we’ll explain how to capture that financial freedom you’ve been looking for. Read on to learn the secrets to financial freedom.

    Break Free of Your Finances

    Financial freedom is about having a constant flow of cash from your assets to cover all your regular needs.

    When you are not worried about your income, or living paycheck to paycheck, you gain a great sense of freedom. It’s the freedom to be obtain and do what you truly need to make your way through everyday life.

    Gaining financial freedom, though, is a process of growth, making small improvements and gaining emotional strength.

    Though it seems hard to believe, it is really very simple to get financial freedom.

    To do so, you simply need to make sure that your assets exceed your liabilities. In other words, you’ll need to find the sweet-spot where your residuals meet or surpass your expenses. This is something that you can achieve with the proper plan.

    While not every person will accomplish financial freedom, the potential for anyone to do so is certainly there. Anyone can achieve this success, regardless of their income level.

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    Outlined below are 9 secrets that will help you in your goals of achieving financial freedom.

    1. Stop Unnecessary Spending

    We often spend money inwardly, instead of objectively.

    For example, you may spend when you’re anxious, depressed, restless, exhausted, from fear of missing out, or to please others. This is a very unhealthy way to handle your finances.

    To stop this habitual spending, log down all your spending over the course of a month.

    Just as some people keep a food diary, keep an expense diary. Remember not to just write down how much and what you spent the money on, also include the circumstances of why you spent the money. Was it an impulse buy at the checkout line or was it something you planned to purchase?

    This increased self-awareness could enable you to avoid triggering situations in the future when you are considering an impulse buy.

    2. Plan a Monthly Budget

    This is a great opportunity to get serious.

    Take a seat with your spouse or partner and make a monthly budget based on your income, not your expenses. You are never again going to spend more cash then you have on hand.

    Overspending is the thing that led you to more financial obligations. Make sure you decide every month what is coming in and what will be going out and stick to that budget… no matter what.

    3. Cut-up Credit Cards

    Perhaps you are the type of person who always pays your credit card balance in full before the end of your billing cycle, and enjoys the reward points you gain. If this is the case, then you’re already way ahead of the game.

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    If not, you may want to consider ridding your life of the burden that credit cards bring.

    Many cards have strategies set up so that if you make a certain number of late payments, they will raise your interest rate much higher. This can really add up in the long run and you won’t be doing your financial situation any favors. If you’re prone to late payments or have a large balance due on your cards, cut them up!

    Without proper self control on credit card spending and payments, you are basically throwing your money away. To ensure that you have better control over your spending, use only cash or debit for all future purchases (and don’t forget to pay at least your minimum payment on your cut-up cards each month!).

    4. Increase Savings

    There is no doubt that for a comfortable retirement you must accumulate satisfactory savings throughout your working life.

    It’s good practice to save up to 15% of your income.

    Start with your workplace 401(k), if you have one. If not, a Roth IRA (if you are eligible) or a traditional IRA (if you are not eligible for the Roth) are the next logical steps.

    Increase in longevity means you might be able to look forward to 25 to 30 years in retirement, or possibly even significantly more. Investing now in good retirement plans will ensure that you have a guaranteed a stable monthly income when the time comes to stop working. [1]

    5. Invest Wisely

    Consider investing in funds.

    Specifically, you will gain higher returns if you invest in different types of mutual funds such as Debt funds, Equity funds and Hybrid funds with a proper balance, although it absolutely relies on your personal preferences and sense of risk taking.

    To get the most of these benefits, make sure you are investing in a variety of assets. Another resource of investing in mutual funds is SIP (Systematic Investment Plan) where you invest some money every month in funds. SIP works by averaging the per unit price of the stock.

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    Mutual fund investors are aware of the benefits of an SIP (Systematic Investment Plan). For one, it is the most secure way to invest in equity mutual plans so that wealth is created over a long period of time. This plan also helps you to gain a better sense of financial discipline, which will come in handy in all your financial endeavors.

    6. Invest in Gold

    There isn’t really a better way to invest in gold than to have the physical gold itself in your possession.

    You can purchase gold coins and bars from mints as well as from coin dealers and other private sellers.

    Another way to invest in gold is through ETFs (Exchange Traded Funds).

    These are is similar to mutual funds but they are exclusively investments of gold. ETFs are great because they offer more liquidity; the ETF owns the actual physical gold, stores it, and retains the value of the shares. These shares can then be bought and sold in the stock market, and one big benefit is that the transaction costs of gold ETFs are much lower than the that of physical gold.

    With its consistently-increasing demand, investment in gold can be very wise long-term investment to make.

    7. Stash Emergency Funds

    Whether it’s a cash gift or a work bonus, always try to save any extra money that comes your way rather than making unneeded purchases.

    If you get paid every other week, you’ll get an “extra” paycheck (three rather than the usual two) twice a year. Either save those paychecks towards your emergency funds or utilize the money to pay down other obligations, such as loans, credit cards or other debts.

    Make it hard to get your cash.

    Put your savings in an alternate bank, maybe an online bank that forces you to delay for several business days before transferred money hits your regular bank account.

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    8. Find Fabulous Mentors

    Find a mentor, such as a friend or family member, who has exceptional control over their finances and pay attention to everything they do.

    If you do not have any friends or family that are enjoying financial freedom, then find a mentor online! There are numerous blogs and guru websites featuring the advice of many people who have reached financial freedom, and they exist primarily to let you in on how to achieve it for yourself.

    There are also plentiful forums available that share tips and tricks on how to best achieve financial freedom. Read as much as you can and start changing your habits for the better.

    9. Be Extra Patient

    Patience is the key of financial success.

    Being patient can be quite tough, especially when you’re struggling with your finances, but having faith is worth it. You’ll continuously be on the right track if you are taking the proper steps above.

    So don’t be discouraged, even if you are only saving a few dollars a month; it all adds up. Within just a few years you’ll look back proudly at your accomplishments and be glad that you had the patience to get there.

    Financial Freedom for All

    Anyone can achieve financial freedom, regardless of their financial circumstance.

    Use the tips provided above to get yourself on the track to financial freedom and toss your monetary concerns out the window. If you wish to achieve a life with financial freedom for yourself and your family then you must adopt a disciplined approach towards your finances.

    Following the simple secrets above is a great start to making your money work for you, so you can work less and live more!

    Featured photo credit: rawpixel via unsplash.com

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    Reference

    [1] Hartford Gold Group: IRA Retirement Accounts

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