Managing
any budget requires careful planning and monitoring. The
guide to manage your mobile spend is designed to help make
your job as easy as possible, with some useful hints to
help you ensure your in control of your spend.
1. Consider pre-paid
If you are concerned about how much you will spend on your
mobile, are not sure what exactly your needs are, and do
not want to sign a long-term contract, consider the
pre-paid option first.
Getting a pre-paid first will help you understand how much
you?ll use your mobile. You can always change to a plan at
a later date, and your experience using a pre-paid can
provide you with useful information to help you evaluate
what type of plan would match your needs. Note that some
pre-paid plans tie you down for a minimum period of time.
This may mean you can benefit from cheaper call costs, but
be aware that if you leave before the specified time, you
pay a penalty. Look for details in the terms and
conditions. You may see the phrase SIM unlock fees. Also
be aware that many pre-paid phone cards have an expiry
date ? you use them until all your credit is used, or
until the card expires (whichever occurs first).
2. Choose a plan to suit you
whether you opt for a pre-paid or post-paid contract,
you?ll find there?s a huge choice of options available to
suit many different needs. The following points will help
you choose one to suit YOU.
a) Cost of calls. Going for the plan with the lowest basic
call costs may not necessarily be the best or cheapest
option for you, it will also depend on how much you use
other services, such as SMS, voicemail, etc. If you use
SMS more than voice, you might find, for example, and that
there is a plan which charges slightly more for voice, but
less for SMS providing a cheaper service for you overall.
Its also worth taking the time to consider when you use
the phone, and whether you can benefit from plans which
allow you free or cheaper calls at certain times of day,
or to certain people.
If you use the phone a reasonable amount, the newer deals
are also well worth considering. (Note: as with any other
offer, ensure you are clear on any fair use policies and
exclusions that apply.)
b) Select a service that allows you to check your mobile
credit
Some mobile companies have options to help you keep track
of, and manage, your spend examples include:
Spend alerts - you get a message to let you know if you?ve
reached a certain spend within a given time period (e.g. a
month). Applies to post-paid contracts.
Free call number to check account balance. (Applies to
pre-paids and post-paid contracts)
Call barring - keep your bill down by limiting the numbers
called from your phone by using call barring. For example,
you might want to bar international calls, or calls to
premium rate numbers. Some carriers also allow you to
preset certain numbers to allow your phone to be used to
call only certain numbers talk to your carrier about the
options.
c) Consider the cost of the whole package. Be wary of
phrases such as Free, costs zero dollars - is it really
free, or are you paying for it somewhere else? If you see
the words conditions apply, read what conditions apply the
offer may not sound so tempting once you understand what
it excludes. Remember: If an offer sounds too good to be
true, it probably is.
3. Stop others using your mobile phone
Minimize the risk of losing your phone and/or someone
using it without your permission by:
Treating your phone as you would any valuable item; even
if you got your handset as a ‘$0 upfront deal, this does
not reflect its true cost. Handsets are expensive: they
can cost more than $1000.
· Never leave your mobile in the car;
· Keep your mobile on you - never put it down in a public
place or leave it unattended;
· Switch to vibrate mode in circumstances where a ring
tone might attract the attention of a thief;
· Make use of your mobile's security features to stop
others borrowing your phone (e.g. PINs, SIM locks, code
locks see your user guide for details);
· Limit the amount of damage someone can cause by
borrowing your phone without permission by utilizing call
barring (see above);
· Don?t assume your phone is covered in your home contents
insurance check, and consider insuring it separately, if
necessary. Remember that even if you got the phone for $0
upfront, this doesn?t mean it was free it means the cost
was absorbed in the overall contract price. You may not be
able to get a replacement phone for $0 upfront.
Reducing your phone appeal to thieves, and assist in its
recovery if it is lost or stolen, by:
· Notifying your network carrier AND the police
immediately in the event of loss or theft;
· Engraving your initials and driving license number on
the phone;
· Recording details of your phone, including its make,
model and its International Mobile Equipment Identity (IMEI)
number, and keeping the details in a safe place. The IMEI
number is a 15 digit number independent of your phone
number, and is usually written underneath the battery or
on the back of the handset. You can also find your IMEI
number by dialing *#06# on your mobile handset. Your
carrier can use this number to block your phone from all
networks once you report the phone lost or stolen,
rendering it useless to any thief.
4. Don?t sign a contract for someone else unless you?re
prepared to pay all their bills
Remember that whoever signs a contract is ultimately
responsible for ensuring that the terms and conditions of
the contract are met. That means if you sign a contract
for a friend (or child), and they don?t pay their bills,
its YOU who must cover the costs.
So unless you?re completely happy to cover someone else
costs, don?t sign a contract for them. Help them choose an
appropriate pre-paid service instead.
5. Other tips to save you money
Voicemail. If you have a voicemail service, ensure you?re
clear what it costs. It may be included free as part of
your package, or you may be charged when you listen to
your messages. If this is the case, clear your voice mail
quickly: every time you re-listen to old messages its
costing you.
SMS. SMS messages are usually charged at a flat rate per
message of up to 160 characters. If your phone allows you
to write a single message over 160 characters, be aware
that you?ll get charged for an additional SMS. (So an SMS
with 161 characters will cost you twice as much as 160
characters.)
Voting. Ensure you understand the cost of calls or SMS
when entering competitions/voting, etc. These are usually
premium services and attract higher charges than your
usual SMS or phone call.
Cost calculations & premium rate services. Be aware that
there are various ways you can be charged for the services
you choose to use. For example, SMS may be charged at a
flat rate ($X per SMS sent); call charges may be
calculated on a time-used basis ($X per minute); and some
newer content services* may be charged on a subscription
basis ($X/week), or on a cost per message received basis
($X each time you receive a message). Before signing up
for any service, make sure you understand how the charging
works: how much it costs, how often and what the total
cost to you will be. And should you choose to subscribe,
take note of how to cancel your subscription at the time
you sign up while its front of mind.
(*Egs of content services include: ring tones, horoscopes,
news & sports updates)
Call or SMS? Consider whether it might be cheaper on
occasions to call someone rather than SMS them. Or
visa-versa.
Pre-paid credit. If using a pre-paid, make sure you know
if and when the credit expires, and whether you can extend
the credit period by topping-up/re-charging the card.
6. A problem shared is a problem halved
If you are having any financial or contractual problems,
contact your carrier. It is not in their interest to have
customers in financial difficulty any more than it is in
yours. Discuss with your carrier any advice they have to
help control your spend before the problem becomes too
big.
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