https://foolishtofrugal.com - Your first step needs to be an evaluation, we can’t solve a problem if we don’t know what it is. Take a look at your monthly charges, your monthly use (voice, text & data) and any equipment charges. Many people choose to purchase their devices from their cell phone providers. This usually involves some kind of creative financing where you end up paying every single month for your device. If this is something you are doing now it’s time to stop, in a hurry. More on this in a minute.