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Cell Phone Plans

May 10th, 2012 at 09:10 am

So I have about a month to go until the contract on my line and my mom's line is up. J's line has another year and 3 months to go.

This month, my bill was $148.77. This is an improvement (!) because I am no longer getting those $2 charges for data access (accidentally hitting the button, not actually accessing the web!). Currently, I have AT & T.

I have been pricing T Mobile this morning. I can get a 3 line plan with 1000 daytime minutes, unlimited nights & weekends, and unlimited text, including insurance, for $94.77 per month plus tax (I think). This would be a savings of $40ish dollars per month.

I would have to pay a $105 activation fee ($35 per line). To leave AT & T early will cost me an early termination fee on J's line of $150 less $4 per full month of service, which should equal $114.

If I wait, the early termination fee will eventually go away, but the activation fee will not. Meanwhile, I will still be spending an additional $40ish dollars per month.

I think it is worth paying 1 early termination fee. It is not worth paying 3, so I can't switch just yet.

How about the insurance? It costs $4.78 per month per phone. Maybe I should just get it on J's phone? That would trim another $9.56 per month.

Do you pay for cell phone insurance?

1 Responses to “Cell Phone Plans”

  1. FrugalTexan75 Says:

    I have an iPhone and I do not pay for phone insurance. I think you're better off putting the insurance money in a separate account in case something happens to your phone ... then if nothing happens to it, you have money you can use towards you next phone or something else you need.

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