8. Cellphone contract
Do you use your cellphone to chat or do you use it just to touch base quickly with most calls lasting under a minute? If you're a quick talker, opt for a pay-as-you-go plan that may cost approximately $15 a month or less, as opposed to a contract with more minutes (that you won't use) for $30 and more per month.
Read more: 40 ways to put money in your back pocket
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