It’s very convenient to own a wireless cell phone. Aside from receiving calls, there are many other features and applications such as receiving and sending text messages, internet access, and other functional activities.

It can be very expensive to maintain a post-paid cell phone or land line since you have to sign a contract with the service provider. One great option is to own a prepaid wireless cell phone in which there’s no need to sign a contract with the service provider. You only have to buy a wireless prepaid phone card to keep the prepaid cell phone service active. Of course, you have to buy a phone card that is going to work with your current phone provider.

Using a prepaid cell phone offers loads of benefits:

• You do not need sign up any contract with the service provider. You have the freedom to choose which prepaid cell phone provider you think is ideal for you. You may cancel the prepaid cell phone service anytime without incurring penalty fees.      

• There are no hidden fees, payment due dates or late penalty charges.

• Most prepaid cell phone providers offer lower rates compared to post-paid cell phone providers.

• You can limit your spending. There have been a lot of complaints from land line plan holders in terms of charges from their long distance and local calls. Others are finding it difficult to budget the long distance calls they make. In fact, some are charged for calls they never made.

• You can take and use your phone anywhere you want to since it’s wireless.  If you ran out of balance in your account, you can purchase prepaid cell phone cards anywhere- booths, malls, and even online.

• Adding minutes to your prepaid cell phone is very convenient. If you ran out of cash to purchase your prepaid phone card, you can use your savings account or credit card to transfer the desired amount to your cell phone. If you want to use your savings account, you just have to log in to your account online to reload amount to your cell phone. You can also go to the nearest ATM machine to transfer funds from your credit card.

• Using a prepaid phone helps you manage long distance calls that you make each month. To limit your calls, you can buy a phone card with a smaller denomination.

If you want to be worry free from unnecessary obligations and contracts, and to be able to control spending over phone calls, choose a prepaid cell phone for your business.

About the Author

Tara Tiemann is a credit analyst for Go-prepaid.com which has been a resource site for people who want to live debt free. If you are on a budget using prepaid debit cards, pre paid credit cards and prepaid cell phone service can save you big money!

Now that times are tough, many are switching from a post-paid cell phone plan to a prepaid cell phone service.  What are the advantages and disadvantages of using prepaid cell phones?  Should you get a prepaid phone as well?

Advantages of Prepaid Cell Phones

Pay only for your call/text usage. A common complaint with post paid phone plans is that subscribers find additional charges on their bill for calls they never made.  With a prepaid phone, there’s no need to worry about incurring extra charges, missing your due date of payment, or paying late penalty fees.

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Easy to acquire. There’s no need to fill out application forms or sign up for the 1 year contract to get approved.   If you want to have your own prepaid cell phone, all you have to do is visit your chosen carrier and make a purchase.

Put a limit over your spending. It is easier to exercise control over your call expenses using a prepaid cell phone.   You can only reload a limited amount of credit that you can use for the whole week or the whole month.  With a post paid plan, you can always make a call at anytime or make your calls a little bit longer than necessary, racking up your bills for the month.

Disadvantages of Prepaid Cell Phones

Now that we have discussed the advantages of owning a prepaid cell phone, let’s tackle the disadvantages that you should consider as well.  Remember, if you need to make frequent calls from your cell phone every day, then you may be able to save more with a post paid plan.  Prepaid phones are great for those who only make phone calls occasionally.
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You always have to reload new credit. Once you’ve used up all your available credit, you will need to buy a new prepaid card or transfer funds to your cell phone to be able to use it for new calls or texts.

You can’t use a prepaid phone to build credit history. Cell phone companies do not provide credit reporting for their prepaid plan subscribers.  If you want to build up your credit history, then what you need is a post paid cell phone service.

The cost per call is higher than a post paid plan phone. Since prepaid cell phones charge calls by the second, not by the minute, you could end up paying for more if you make longer calls frequently.  If you need a longer airtime, then a post paid plan may be a better choice for you.

About the Author

Tara Tiemann is a credit analyst for Go-prepaid.com which has been a resource site for people who want to live debt free. If you are on a budget using prepaid debit cards,prepaid credit cards and prepaid cell phone service can save you big money!

TracFone has now started to bring free prepaid service to low income families in Ohio by utilizing a federal subsidy program. The catch is that only the first 68 mins each month is free, after that is 20 cents a min. So if you are someone who just wants cell phone for emergencies, this might be the program for you! If you are live in Ohio contact your local TracFone and ask about the low income program. This is the 2nd state tracfone has brought this program to,so even if you are not in Ohio keep an eye out for this company !

Get a wireless phone starting at just $9.99 at TracFone.com

About the Author

Tara Tiemann is a credit analyst for www.go-prepaid.com which has been a resource site for people who want to live debt free. If you are on a budget using prepaid debit cards, pre paid credit cards and prepaid cell phone service can save you big money!

Residents of the state of North Carolina are eligible for free prepaid cell phone service thru a little know government sponsored program called Lifeline.

TracFone.com is the first prepaid cell phone provider to open a program to meet the needs of those who are eligible for this program.

TracFone.com’s program is called Safelink, under this program if you are at a certain income level and live in North Carolina, you can receive free cell phone service. Currently most people who have applied for Safelink are actually paying 50% of the plan cost and the government is paying the rest. I believe the amount you pay is based on your income.

Currently Tracfone is the only provider with a program, but Virgin Mobile plans on rolling out a similar program this coming summer.

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Click here to go to TracFone.com!

About the Author

Tara Tiemann is a credit analyst for www.go-prepaid.com which has been a resource site for people who want to live debt free. If you are on a budget using prepaid debit cards, pre paid credit cards and prepaid cell phone service can save you big money!

Today Virigin mobile announced a program they are calling the “Pink Slip Protection Plan”. If you are a Virgin mobile “Totally Unlimited” ($49 a month) customer of at least 2 months and you lose your job, Virgin Mobile will pay for up to 3 months of service for you. Read more about it here Virgin Mobile Website

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About the Author

Tara Tiemann is a credit analyst for www.go-prepaid.com which has been a resource site for people who want to live debt free. If you are on a budget using prepaid debit cards, pre paid credit cards and prepaid cell phone service can save you big money!