No. of Recommendations: 0
First off, I wanted to thank everyone for their imput yesterday about my budget. I really got a good perspective on things and got some great new ideas about working harder at paying down my debt.

One area that I think I can trim is the cell phone. Right now, I have plan that is 29.99 for 200 anytime minutes and unlimited nights and weekend minutes. I think this would be a great deal, IF I actually used all those minutes. (Doing totally without a cell phone is not an option due to my work and childcare.)

This is my question: Do you think it would be more cost effective to get a pre-paid phone? The biggest issue that I have with this is that most plans require you to buy a phone (even though I already have one I got free with my current plan). Typically outgo for these phones is $50 - $70, but since I only use 60 - 80 minutes per month, it may pay for itself after a few months.

I don't think downgrading to a 19.99 account for 50 minutes would be worthwhile, because I'm not sure I could keep it at that.

What are your thought?

Thanks once again for your help!

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