downgrade your cell phone plan minutes if you aren't using them

A great way to save money is to choose a plan with fewer minutes.

For example, say you use around 500 minutes per month and you are on Verizon’s 900 minute plan and pay around $60 excluding taxes, surcharges and other fees.

It would be cheaper to choose the 450 minute package and talk a little less. You'll save $20 per month or $240 a year.