Prepaid Cell Phone Plans

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Prepaid cell phone plans are an alternative to cell phone contracts that can go on and on up to a couple of years, making you feel like you are a captive slave to the phone company.  Contracts can severely limit you for going over the minutes you’re allowed, and add costs for leaving the contract.  However, the advantage of prepaid cell phone plans is that you “pay as you go.” AT&T contract plans might permit the use rollover minutes, but with a pay-as-you-go plans you can often use a few minutes in a month and a couple hours in the next without any penalties.   An additional advantage is that you don’t need a credit card to get your prepaid phone plan.

Here’s how prepaid cell phone plans work: you buy your phone of choice specifically made for prepaid plans and instead of using a credit card, you purchase a phone card and set-up an account with an available balance. The only caveat is that you have to add $20 to it every 90 days to keep your account active. You have a cell phone number assigned to the phone you picked, which denotes your account. When you use your minutes, the cost is charged to your account.  If you run out of available account balance before your 90 days, you have to add more money to your account. If you have some money left over at the end of the ninety days, you will still have to pay $20.00 to keep the account open.  The nice thing about this is the money you have left in your account will accumulate so that you don’t lose money.

As with any plan, the prepaid cell phone plan has its downsides. You don’t get the benefits that can come with standard phone contract plans like free in-network phone to phone calling, free nights-and-weekends or free calls to certain numbers in your myFaves feature at T Mobile, in which you can choose your 5 numbers you call all the time and always call them for free.  Also, the ticks-of-the-clock for prepaid cell phone plans are more costly. Still, if you don’t have a credit card or if you don’t use your cell phone a lot, you might want to consider getting a prepaid plan instead of the typical contract. Unlike with cell phone plan contracts, there’s more flexibility and you can leave the plan by letting your account expire. It all depends on your lifestyle, your needs, and how you tend to use your cell phone.  You also want to consider prepaid plans if you find that someone in your plan is running over their minutes or cannot discipline themselves to limit their cell phone use.  Prepaid cell phone plans give you more control from month to month on the minutes that everyone uses.  A friend of our family had a problem with his family going over their allowed monthly usage of minutes every month and decided to go with a pre-paid plan.  He and his family no longer have the monthly arguments that a monthly phone bill use to bring!   So, balance the pros and cons before you decide which plan is right for you.