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Should I Get a Prepaid or Cheap Cell Phone Plan?

Choosing between prepaid or cheap cell phone plans involves consideration of a few factors first. Prepaid cell phone plans don't require a monthly contract. Users simply prepay for a certain number of minutes they'll be using each month to make calls on their cell phones. These minutes are available until they're all used up, or until they expire, after which more minutes can be purchased. The price-per-minute for prepaid cell phone plans is usually two or three times more expensive than contract plans. If you aren't able to keep track of a budget, prepaid plans might not be for you. On the other hand, if you rarely use your cell phone, a prepaid

plan might be the way to go. You're not bound to a monthly rate, and you can spend as much or as little as your budget will permit. These plans are also great for people with bad credit, and users can still find basic phones at an affordable price.

Plans that involve contracts usually involve locking into an agreement with a company for an extended period of time - usually two or three years. These are more involved than prepaid plans, since they require a credit check, deposit, and a greater commitment. Even the cheapest cell phone plans come with a penalty fee if you terminate the contract before its expiry date. Users can benefit from getting a free phone as an incentive to sign a contract. Contractual plans offer a number of perks for users, including unlimited data plans, internet access, family plans, roadside assistance, and long distance calling. Some of the best cell phone plans offer a wide range of choices regarding the phones themselves, from basic models to much more elaborate smartphones.

Choosing between prepaid, no contract cell phone plans and contractual plans will depend on a number of factors, including your overall budget, how often you use your phone, whether or not you require internet access or texting capabilities, and whether you prefer a higher end phone. When you compare cell phone plans, it's important to keep in mind the length of time you will be locked into a contract, the number of minutes included in the plan, termination fees, and the actual price per minute. With prepaid phones, the cost per minute is essentially the most important feature to consider. With cheap cell phone plans, the price per minute is usually much cheaper, but you also need to make sure that you don't go over your allotted monthly number of minutes, or you'll be paying extra for them. Take the following survey to see if you should go the prepaid or contractual route.

How often do you use your cell phone?
Do you have a problem with binding long-term cell phone contracts?
Cost is a big factor when choosing a cellular plan. Are you on a tight budget?
Do you require a more sophisticated smartphone?
Are you looking for a family plan?
Do you use your phone for texting, emailing, or accessing the internet?
Do you want a cell phone plan that allows unlimited long distance calls?
Do you want a cell phone plan with rollover minutes?
Would you be upset about buying prepaid phone minutes that you use?