SAVE MONEY ON YOUR PHONE BILL (Guest post by Sage Harman)

Samsung releases the new Galaxy S5. I can't tell you how much that bums me out because not a few months ago, I gave in to my whim and finally upgraded my old phone to a Galaxy S4. With phone manufacturers releasing newer, faster, more powerful devices every five minutes, it's hard to keep up. Things are sure moving along fast! Not so very long ago, I remember my bestfriend and I used to talk over tin-can telephones. Now everyone uses their smartphone not just for calls and texts but to play games, take selfies, listen to music and who knows what else? The smartphone business is a cutthroat market. There's a wide array of models and features to choose from. But one thing they all have in common is they're expensive. If you're planning on upgrading to a smartphone, you can whittle down your overall cost by slashing your bill. Here are a few tips you might want to try.

Extra features and services like toll-free calls, call waiting, 411 calls, ringtone downloads, horoscope texts, cell phone insurance and roadside assistance may not seem like they're worth much, but they are. Don't use them unless you really have to.

Monitor your texts, data usage and minutes and make sure you don't go over your monthly costs. Be responsible and organized.

Use your landline phone, free wi-fi and other free apps like Skype and Viber whenever you can.

Bundle your phone, internet and cable services if you can. 

Get the friends and family value plan where you can get discounts and freebies.

Better yet, if you're a light user, try the">No-contract-plan</a>. Yes, you will need to purchase the phone upfront, but not only can you save more money by paying as-you-go but prepaid packages are simple and straightforward - no hidden charges, no credit checks, no lock-in period or termination fee should you break the contract early. 

Feeling stumped and unsure of what phone to get? Check out

Sage Harman is a frugal living enthusiast, wife and mother. She runs, a site dedicated to providing free information to consumers trying to find viable no-contract phone and internet plans.