Between my wife's and my cell phone, we're paying close to 200 dollars a month." "Of course, it's ridiculous. It's absolutely insane. But you can't live without a cellular phone." It's an expense nearly everyone puts up with, but Consumer Reports says there are several ways to save. "The traditional two-year contract may not be the best choice for value. Initially you get a big discount on the phone you pick. But moderate users may be paying a lot more for service compared to a prepaid plan." Consumer Reports' staffer Monique Little cut her monthly bill by more than half switching to a prepaid plan. Monique Little "It saves me about 100 dollars a month." In a recent survey of more than 58-thousand Consumer Reports subscribers, prepaid Straight Talk earned high marks. The company advertises unlimited talk, text, and data for 45 dollars a month. Even if you're in a traditional contract, a good way to save is to check your bill to make sure you aren't paying for more data than you use. Rosalind Tordesillas "Of the people we surveyed with a monthly data allowance, nearly 40 percent reported using no more than half of it." But if you usually burn through your data allowance, rein in those data hogs - streaming video, music, and gaming. Another tip - make sure your Wi-Fi connection is always activated, which lets you surf and stream for free in Wi-Fi areas. But never use an insecure connection for sensitive tasks like making purchases or paying bills. ."

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