Avoid costly add-ons to your plan
Smart phone add-ons can add up.
Take big expenses such as warranties and gadget insurance. Warranties can cost $4 to $6 per month, and there's usually a $50 deductible. Many smart phones already come with one-year warranties.
"You've usually got two weeks to 30 days to return something if you've got a problem with it," says Sue Ann Macomber, supervisor at Utility Consumers Action Network's Fraud Squad, based in San Diego. She adds that tech gadgets quickly become outdated after a year or two anyway.
And gadget insurance is also questionable. For example, iPhone insurance can run $12 per month, with a hefty $150-plus deductible. AT&T also offers detailed billing that breaks down monthly costs for $2 per month.
And the add-ons don't stop there. Roadside assistance service can cost you $3 per month.
Save your money for apps.