Prepaid cell phones can help you save - AmericaNowNews.com

Save more with a prepaid cell

As long as you use the minutes you've purchased, a prepaid cell phone -- or "pay-as-you-go" phone -- is a legitimate, money-saving option.

A pay-as-you-go cell phone is particularly nice if you only want a cell phone for emergencies or if you're not really sure if you'll use a cell phone enough to warrant a data plan.

Each month, you pay up front for the amount of minutes you intend to use. Once they're used, it locks up.

If you want to unlock it, you can load it with more minutes. And if not, you can hold on to it until you're ready.

No extra fees. No hassle.

The GSA Federal Citizen Information Center (www.consumeraction.gov), in its Consumer Action Handbook, outlined the pros and cons of pay-as-you-go (prepaid) cell phones:

PROS:

* NO CONTRACT

* NO MONTHLY BILL

* YOU DETERMINE HOW MANY MINUTES, SO YOU KNOW EXACTLY HOW MUCH YOU WILL SPEND

CONS:

* IF YOU DON'T USE THE PHONE FOR AN EXTENDED PERIOD, YOU MAY LOSE WHATEVER BALANCE YOU HAVE IN YOUR ACCOUNT

* YOU PAY MORE PER MINUTE THAN MOST STANDARD CELL PLANS

Remember, you have control over the amount of minutes, so the higher rate per minute really doesn't matter.

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