You don’t have to hunt very far to find someone who clocked up a mobile phone bill that they had trouble paying.
One way to avoid this is to find the plan that is right for you and know what you are signing up for when you do.
Prepaid
Advantages • You know what you are spending.
• You don't need to sign up for a long contract.
Disadvantages
• The rates for calls and texts are often more expensive.
• You will have to buy a phone.
• The credit might have a time limit.
• There may be penalties to change to another service provider, like for 'sim unlocking'.
Plan or Contract
Advantages
• You will get a phone included, so there will be low 'upfront' fees. (Remember – the phone is never 'free'; you pay for it over the time of the contract).
Disadvantages
• You may be 'locked in' to the contract, so you need to be sure you can pay the bills for the length of the contract.
• If you lose the phone, you still have to pay for it, either in one payment or by continuing to pay the scheduled bills. For this reason it might not be the best idea to get an expensive mobile phone, especially if you think there is a chance you might lose it.
Mobile Tips
• Don't let anyone else use your phone.
• Put a key lock on the phone.
• Find out of you are charged for voice mail, then consider if you really need those kinds of services.
• One call can be cheaper than sending a couple of texts.
• Try to call in 'off peak' time, such as in the evening and on weekends. Find out from your service provider when this applies for you.
• You may get cheaper or free calls to people with the same service provider.
• Games, ring tones, internet usage and other extras have hidden costs.
• In Australia if you need help in an emergency you can call 112 from your mobile – it will connect you even if you are out of range.
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