Should I Get a Prepaid or Monthly Phone Plan?

Having a cell phone used to be a luxury, but these days, having a mobile phone is pretty much a necessity. While yesterday’s mobile phones were used just for making phone calls and sending text messages, today’s smartphones do all that plus provide access to the web, allow you to send and receive emails, engage in video conferencing, play games and so much more.

Paying for mobile phone service is different today as well. Long gone are the days of restrictive contracts and early termination fees. While contracts still exist, prepaid mobile billing is also available. Choosing between monthly billing and prepaid comes down to several factors, including:

Cost

The cost of a monthly phone plan can be higher than that of prepaid depending on how you use your phone. For people who rarely make phone calls and don’t often utilize data through their phones, a prepaid plan might turn out to be less costly. On the other hand, if you’re on your phone all day long and use the web to stream videos, a monthly plan might be cheaper.

It’s worth noting that most mobile service providers offer assistance with phone bill challenges. If you’re running a bit behind on making your monthly payment or refilling your prepaid plan, reach out to your service provider to see if they offer assistance with phone bill deadlines.

Overages

Most cell service providers offer unlimited monthly plans. With these plans, you don’t have to worry about overages since all of your talk, text and data are included. Prepaid plans usually include a limited number of minutes for talk each month, and you will likely face restrictions on the number of texts or megabytes or gigabytes of data you can use each month.

With a prepaid plan, you may get charged extra per minute of talk time over your prepaid allowance. Additionally, each megabyte or gigabyte over your data allotment can cost you. This means you should keep a close watch over your usage if you have a prepaid plan. You can also consider switching to a monthly plan if you find that you’re consistently going over your prepaid limits.

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