When choosing a new plan, says Pugh, review your existing services and figure out how many minutes and how much data you’re actually using. “Do you really need unlimited? If not, downgrade,” he says. In fact, consider a pre-paid or pay-as-you-go phone. These typically cost 10 cents per minute plus a small daily access fee each time the phone is used. “It's like a cell phone in training wheels and a smart option if you're on a budget,” says Pugh. Just make sure the plan you choose allows you to roll over any minutes you don't use to the following month.