Most of us now have a mobile phone and we can find that the amount we pay for it can be quite significant. There are various expenses such as the cost of the phone, the calls, texts and data. It can all add up to a significant amount of money. It is good to have a think about whether it is really necessary to pay this much money or if there are some ways that we can save a bit.

Cost of the phone

There are two ways that people pay for phones. They either buy the phone outright or you pay for it within a contract. If you have it within a contract then you will find it easier to pay for it as you will be paying in small instalments over a series of months. However, it is likely to be a lot more expensive than buying it outright. If you add up how much you will end up paying for the phone this way it could be massively more expensive.

It is also worth thinking about the model of the phone. It can be tempting to get the latest one with all the best functions, but this will be expensive. Think about what you actually need in a phone and whether you are paying a lot more the necessary for a phone that has function that you do not really need. It always feels good to have the same or better phone than your peers but this comes at a cost. The latest phones and best brands are really expensive and so you need to make sure that you really are sure that you want this. Is it worth having the latest one but paying out loads of money for it? Think about what else you could be doing with the money that you have spent.

It is easy to be persuaded by the salesman to buy a more expensive phone as it is their interest for you to spend more money. Therefore, it is a good idea to research first and make sure that you know exactly what you want so that you can get the phone you want to buy rather than the one they sell you.


It is always worth comparing the price of phone calls on a land line to a mobile phone. These vary a lot and it could be cheaper to use a landline rather than a mobile, especially as you can sometimes get free calls on a landline if you pay a monthly charge. These charges tend to be less than a mobile call charge, however, you will need to check to see which will work out best for you.


It is worth thinking about how many texts you send and whether it might be better to use a messaging system or email instead. You can use these from home for free and they will therefore be cheaper (assuming you pay for broadband) compared with the cost of buying texts for your phone. If you have a contract you may have soe free texts but make sure that you do not use them up as the cost of additional texts could be really high.


Data can be expensive so make sure that you use it sparingly. Try to use wi-fi wherever you can, either your own from home or connecting to it at work or in restaurants etc. Make sure that you are aware of your allocation that comes with your contract as if you go over this you will have to pay more money and this could add up to be really expensive.

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