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iPhone or bust – how to cut your mobile phone bill

The iPhone 6s and 6s Plus, the newest additions to tech giant Apple's iPhone family, are available to preorder from today - but getting your hands on this latest technology isn’t cheap.​

These premium products attracting premium prices, with the basic new iPhone 6s starting at a whopping £539! That's enough to make a dent in the finances of anyone who buys one.

There are other cheaper alternatives. There are plenty of other smartphones available with a much more wallet friendly price tag. If you really want an iPhone, but want to pay less, a new model means the prices of the older models will start dropping. Both of these options will cost you a lot less money, so it’s well worth having a look.

However, if you really must have the latest model and know you can afford it, there are ways you can keep your phone costs as low as possible. Here are the topways to save.

Make sure you get the right contract

Always compare tariffs before making your final decision. There are a wide range of deals out there and the more you look, the more likely you are to find one that suits you best.

While it’s easy to get carried away by some of the offers out there, always make sure you’re not paying for something you don’t need. Sure it might be tempting to get a contract with ‘unlimited data’, but if you only use your phone to browse the internet and send emails, you don’t need it. The same can be said for contracts offering unlimited calls.

Of course, the best option for you depends on how you use your phone. If for example, you stream a lot of music and films, you might find an unlimited data contract is the cheapest option for you.

Pay-as-you-go or contract?

You should also think carefully about whether you get a pay-as-you-go deal or a contract. With pay-as-you-go you’ll be charged for what you use, as opposed to a contract where you are given a set allowance for texts, calls and data. Going over this allowance can result in expensive charges.

You don't need to be tied into two year contracts anymore. There are plenty of 30 day rolling contracts available, though you'll pay more each month this way than a longer contract. 

As a general rule a thumb, the less you use it, the more likely it is that you should consider a pay-as-you-go contract.

Insuring your phone

Should you insure your iPhone? This is a common question and the answer really depends on a few factors, including how expensive your phone is, how inconvenient replacing it would be and how careful you are with it. If you lose your phone every month, then it may well be worth taking out an insurance policy.

If you do decide to take out a policy, remember that there’s no obligation for you to take it out with your phone provider. Check what’s available on the market and speak to your bank. It’s not uncommon for this type of protection to be included as part of your bank account benefits.

If you do decide you need mobile phone insurance, make sure you understand what is and isn’t covered as part of your policy.

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  • Anne / 22 October 2015

    I got an iPhone 4s last November 2014 because I wanted to use the phone and my iPad in tandem. Car phone warehouse tried to put the fear of God into me about not insuring. The phone cost £199 I then used my existing Tesco. Contract that cost just £7.50 per month. I get 5,000 text, plenty of data and hours of free calls I don't often use. I won't change the phone unless it breaks and I can share pics on the iCloud and I feel it's a good compromise. My husband works I look after our daughter who is p/t at nursery it's about cutting your cloth for me not having the very latest technology that I couldn't put before the cost of. Family holiday.

  • Drew Redd / 5 October 2015

    Not impressed really . It would been more useful if you had links to websites where people can get cheaper phones. The advice is pretty bog standard .

  • Hawa Lloyd / 4 October 2015

    Great advice

  • Stuart Stevenson / 4 October 2015

    I paid my smartphone in full after a 2 yr contract. Was getting billed £35 a month with o2 and the signal was poor to non existant.
    As i only really use it for texts and data i discovered ASDA mobile sims in the shop for 50p.
    Now i am paying just £5 a month on PAYG and that includes 2000 trxts a month - more than i will ever need.
    And as asda use the EE network i can now always get a good signal which helps.
    Savings - £360 a year!!!

  • Jon / 4 October 2015

    For deaf (or anyone really) I'd recommend an older iPhone (4S) on Three 321 pay as you go. It's 2p a text and credit doesn't automatically run out. You would need to find a way of topping up though, not sure if this can be done via text only so maybe on the internet or get someone to help.

  • Roy Fox / 4 October 2015

    I am deaf and cannot use the phone other than for occasional texts or as a pre-arranged signal. Why should I pay for a phone at such ridiculous prices?

  • Roy Fox / 4 October 2015

    I am 81 years old and deaf. I cannot use a phone other than for text. Is there no price structure which considers this issue?