You're Overpaying (And You Don't Even Know It). A simple switch could save you $1,200+ per year.
Are you overpaying for your cell phone?
How a Simple Switch Could Free Up Thousands for Your Financial Goals
If you're feeling frustrated by your financial situation—struggling with debt, stuck in the paycheck-to-paycheck cycle, or unsure how to start building wealth—know that you're not alone. Many of my clients are in the exact same place before they start working with me. They're ambitious, motivated, and ready to make massive changes, but they're weighed down by money stress.
One of the first things we do together? Trim the fat in their budget to free up money for what truly matters—paying off debt, building savings, investing, and creating financial freedom.
And one of the easiest, most overlooked places to start? Your cell phone bill.
Why Your Cell Phone Plan Is Quietly Stealing Your Wealth
Most people sign up for a cell phone plan years ago and never think twice about it. They assume the major carriers—Verizon, AT&T, T-Mobile—are their only options, so they keep paying $100, $150, even $200+ per month without question.
But here's the truth: You don't need to spend that much.
Prepaid and MVNO (Mobile Virtual Network Operator) carriers use the same networks as the big guys but at a fraction of the cost. By switching to a prepaid plan, my clients typically save $50 to $100 per month per line—that's up to $1,200 per year per person back in their pocket.
What Could You Do with an Extra $1,200 Per Year?
When we go through my financial coaching process, we aren't just cutting expenses for the sake of it. We're freeing up money so you can actually move forward—pay off debt, build an emergency fund, start investing, or finally afford the experiences that make life worth living.
That extra $1,200 per year could:
Wipe out a credit card balance faster, saving you hundreds (or thousands) in interest.
Jumpstart your emergency fund, so you never have to rely on debt again.
Go into a Roth IRA or investment account, growing into tens of thousands over time.
Fund your next big move, like a business, dream trip, or home upgrade.
How to Switch & Save
Check with your current phone provider – Many major carriers offer prepaid plans that are significantly cheaper than their standard contracts. Switching to a prepaid option with your current provider is often the easiest and fastest way to save.
Explore other options – Don't assume your carrier has the best deal. Providers like Mint Mobile, Visible, and Google Fi offer plans as low as $15 to $40 per month, often with the same network coverage you're already using.
Make the switch & start saving – Once you choose a plan, your new provider will guide you through the process of porting your number and activating your new service. Most prepaid carriers make this transition seamless.
Bonus Savings Tip: Your Apple Watch likely doesn't need its own cell plan. I used to pay for a separate plan for my watch, but when I switched to prepaid, I had to drop it. And you know what? I didn't even notice the difference. Since I'm usually near WiFi or have my phone with me, my watch still worked just fine.
Prepaid plans now offer options for adding tablets and watches, but before you opt in, ask yourself if you really need it. Cutting out an unnecessary device plan could save you another $10 to $15 per month—or $120 to $180 per year—money that could be put toward debt, savings, or investing instead.
Small changes like this add up fast, and they make a real difference in creating the financial freedom you deserve.
Your Money Should Work for You—Not a Cell Phone Company
If you're ready to stop spinning your wheels financially and start making real progress, this is one of the simplest switches you can make.
This is just one of the many ways I help my clients take control of their money and start winning—without feeling deprived, stressed, or overwhelmed.
Ready to talk about your money and make a change? Book a free 20 minute call with me to see how I can help.
Disclaimer: I am an educator, not your personal financial advisor. Please make sure to do your own research before moving forward with any actions discussed in this blog post.
Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!