How to Save Up to $3,000 a Year
The fix: Too many minutes and you're wasting money. Too few and the overages can send your cell-phone bill into the stratosphere. On average, according to the consumer research firm J.D. Power & Associates, cell-phone subscribers use only 64 percent of the minutes they pay for. If you're still under contract, call your cell-phone company and ask it to analyze your usage. You may find that buying fewer monthly minutes but, say, getting unlimited evening and weekend minutes may work better than a more expensive plan―and you won't pay a termination fee of $100 or more. If your contract is up and you're thinking about switching carriers, shop for the best plan on myrateplan.com/wireless. Analyze special offers carefully.
Savings: An average of $16.50 a month, according to J.D. Power & Associates.