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Practical tips to help you improve your credit rating and avoid expensive high interest loans

The Best Way To Pay For & Protect Your Phone

An image of a mobile phone

There are an eye-watering amount of mobile phone options on the market today; do you have a contract, pay as you go, buy a phone, borrow a phone, protect your phone…? The possibilities are endless.


Contract or Pay As You Go?An image of a mobile phone and a contract

There is no ‘right’ answer to this, it really depends on your own personal circumstances. If you are on a tight budget and only use your phone for a few calls and texts a month then pay as you go will give you the option of keeping track on how much you are spending.

If you use your mobile all the time, especially away from home so using a large amount of data then a contract will give you the allowance you need while still allowing you to maintain control on what you spend.

For more on pay monthly vs pay as you go debate, uswitch have broken down some of the main pros and cons.


Don’t pay for what you don’t needAn image of mobile data usage

If you find you are not using your monthly allowance it might be possible to reduce your bills by contacting your network provider.

Even if they can’t reduce the amount you are paying they can probably give you some free add-ons to help with any extras you might need.

Check out EE’s website for a little idea regarding the type of ad-ons that you may be eligible for.


Don’t replace your phone for the sake of itAn image of some mobile phones

If you are out of contract but still happy with your phone why not make use of a cheap sim only deal like those offered by companies like giffgaff?

Similarly if you can borrow or buy a cheap second hand mobile this could also be a good choice.

The excellent Ken’s Tech Tips website offers a wealth of information about new mobile phones and the associated technology. We recommend checking it out to see if it helps you make your decision.


Don’t pay for insurance unless you need it

When considering the need for insurance you should consider the age of your handset, how long you have left to run on any contracts and the general inconvenience of the loss.An image of a broken phone

Additionally, many bank accounts come with extras including mobile phone insurance so it’s worth reading the small print. It also makes sense to shop around as many people offer better deals than the mobile companies.

It may be a good idea to consider insurance for your mobile phone if:

  • You have a history of lost, stolen or broken phones.
  • You have an expensive smartphone and/or you’re locked into a long-term contract.
  • You couldn’t afford to replace the handset and you wouldn’t want to downgrade to a cheaper model.
  • You rely on your mobile phone and would need an instant replacement if it was lost, stolen or damaged (bear in mind that you’d need to choose a policy offering a rapid replacement service – not all of them do).

For more on this, check out the excellent article by the Money Advice Service – Do you need mobile phone insurance?


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Clare McDonald
Clare McDonald
As a mother of two, Clare knows the importance of being careful with money, so writes posts from personal experience.Clare also loves to find great deals, so shares her finding here.

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