How to Minimize Your Monthly Cell Phone Bill with a Smartphone and a Data Plan

How to lower your cell phone bill with a smartphone and a data planThe Internet has significantly changed the way we communicate. Many people have already eliminated their monthly home phone by using Voice over IP (VoIP). Similarly, the business case for Enterprise VoIP is compelling. It eliminates separate voice and data services and the associated cost of maintenance.

If you have a Smartphone with a data plan, you can minimize your cell phone monthly bill by maximizing VoIP. That is, use low-cost VoIP to make calls as much as possible and only use prepaid minutes as backup.

How much do voice plans cost?

Mobility carriers offer to sell you a cell phone voice plan with 150-200 minutes for $30-35/month. Additional minutes are often charged at 30-40 cents/minute. This means you're spending about 20-30 cents/minute if you use all the minutes precisely. The monthly amount is fixed, whether you use all the minutes or not.

Don't pay for minutes you won't use

A prepaid plan can help you minimize mobile voice cost, which often costs 20-25 cents/minute in a pay-as-you-go setup. You only get charged for the calls you make or receive. Examples of prepaid carriers are President's Choice Mobile (aka PC Telecom), Telus Prepaid, Virgin Mobile, and Fido prepaid. The big wireless companies also usually have a prepaid option as well, but they are typically more costly overall.

How to choose a mobile data plan?

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How To Make A Coupon Binder

How to make a coupon binderEveryone that uses coupons needs an efficient method of organizing them. For a couponer, there is nothing worse than knowing you have a coupon for an item; but you can not find it.

While there are several ways of organizing them, perhaps one of the best ways is to use a ring binder since it offers a great deal of flexibility. As your collection grows, then additional pages can easily be added (or removed when not needed). It can work equally well for someone who is new to collecting as well as the extreme couponer.

A coupon binder can be as simplistic or as elaborate as you want it to be. There is no right or wrong way to put one together. What is best for you is the correct way. Having said that, here are some ideas to consider:

Choosing The Right Binder

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6 Sneaky Supermarket Tricks To Watch Out For

Two-For

Today, we've got a guest article from savvy shopper Anna, owner of Bargainmoose.ca, the Canadian website for coupon codes, shopping deals, and money-saving advice. Anna's going to be telling us about some of the methods that supermarkets use to make you buy certain brands or to spend more money.

1. Eye-level placement

Did you know that when stores want to sell you something in particular over another item or brand, they place these products at eye level? It's naturally the first place your eye goes to on the shelf, and you're more likely to pick up those items.

And what's even better, they use the female averages as the eye level height, because it's more likely that the female is making the purchasing decision.

Stores tend to put the small sizes at eye level too, with larger sizing above or below. These larger sizes tend to have a lower price per unit (bigger is better!), so it's more economical to go for one of those.

So here's the money-saving tip: look up and look down! You might spot a better bargain.

2. End of aisle placement

The end of the aisle is a prime selling venue in the supermarket, but that doesn't necessarily mean it is the best deal for the consumer. The grocery store could be trying to offload some high margin stock, or they may even have received a premium for stocking this particular brand front and centre. Walk on past... the same product will be in the regular place, alongside other items and you can price compare to make sure it is the best deal.

Money-saving tip: ignore the end of aisle placements!

3. Buy 1 get 1...

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The Aeroplan Star Challenge: Earn 16,500 Aeroplan Miles Basically Free

The focus of this site is mostly on learning repeatable strategies that can save you tons of money in the long term. It isn’t about the latest deal that crops up and goes away just as quickly, as there are lot of other sites that cover those deals. However, when a deal comes along that essentially gives you hundreds of dollars in free money, it’s hard to ignore and I just have to write a post about it. This is one of those deals.

Aeroplan has launched a new promotion for the month of May (May 1st to May 28th 2012) called “The Aeroplan Star Challenge” where they are giving you a chance to earn up to 16,500 miles for shopping at their partners. Normally there are big catches with these types of promotions in that you need to shop at 5-10 different partners, only get 1 credit for shopping at the same partner multiple times, have to spend a minimum of $20 at each partner to qualify, and the list of terms and conditions goes on and on.

Not the case for this promotion! I have read through the entire terms and conditions myself and it has been confirmed by an Aeroplan employee as well that you can shop at the same partner as many times as you want and still get credit and there is no minimum purchase other than you have to buy enough to earn 1 aeroplan mile in a transaction to qualify.

How The Promotion Works

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