Smartphone Plans

How much do you pay a month for your cell phone service plan that includes a smartphone? Even though that phone is wonderful when it comes to using the different VoIP systems, you are still probably shelling out a good bit on the bill. But good news: Facing stiff competition from budget carriers, all of the major networks recently began offering cheaper “prepaid” plans – which could save you a ton of money. Instead of entering a two-year contract, a “prepaid plan” enables you to pay monthly, without a commitment to stay with a particular service provider. These no-contract, prepaid phone plans used to be just for dumb-phones, the ones that did not really do anything. So here are the amazing deals:

• If you’re a heavy talk and data user, the best plan is on Sprint’s network through Boost Mobile: $50/month for 2.5 GB of data. (Compare this to Verizon and AT&T’s plans – $60/month for 2 GB.) Better yet, if you make six, monthly, on-time payments in a row, Boost will knock $5 off your monthly bill every month thereafter. They’ll reduce your bill again at 12 months, and again at 18 months, so that after a year and a half you could be paying as little as $35/month – if you haven’t switched plans by then.

• If you don’t talk much but use a lot of web access (say, you’re a teenager), Virgin Mobile has a $35/month for 300 minutes of talk – and unlimited text and data.

• If you use a moderate amount of data but want unlimited talk and text, T-Mobile offers unlimited talk and text, plus 500 MB of data for $50/month.

• The cheapest deal I’ve recently seen form the big carriers: If you dig down deep on T-Mobile’s prepaid plan page, you’ll find a plan with only 100 minutes of talk, but unlimited text and data for – get this – $30 a month.