Girl using iPhone

Why You Should Go for a Phone Contract?

If you go online and search about phone contracts, you’d notice that more and more so called experts are discouraging consumers to sign up for a contact. While they have good points for saying so, phone contracts are not exactly at fault for the staggering amounts of phone bill overspending in the UK.

When chosen right, phone contracts can actually save you money in the long run. If you need a quick reminder, here are some advantages why phone contracts may be the best option for you.

Handset selection

One of the chief advantages of phone contracts as you already know is the handset selection. With a phone contract, you get avail the latest handset without paying for it upfront. That means you get to own high-end handsets without breaking the bank. If you have set your hearts on the upcoming iPhone 6S or iPhone 7, you are welcome to avail it provided that you are eligible to apply for the plan and you have good credit.

Cheaper rates on call, text and data

Because phone contracts offer phone bundles that already include allowances for your call, text and data services, the rates are usually cheaper than if you opt for pay as you go deals. If you’re a heavy mobile user who plans to rely heavily on your phone for all your communication needs, getting a phone contact is the most cost-effective route to go.

Promotions and other perks

With a phone contract, you also get to avail promotions and other perks. As a way to convince subscribers to stay with the company, providers are offering all kinds of incentives. Most of these offers are usually offered for a limited time and only for existing phone contract subscribers.

Is it for you?

Now before you go ahead and sign a deal, it’s important to remember that phone contracts are not always the best choice for everyone. Make sure you assess needs and decide from there whether a phone contract is right for you or not.


How to Find Cheap Phone Deals

Finding the best cheap phone deals available in the UK market is easier said than done. With a multitude of phone deals to choose from, the search may be long and frustrating. It is also important to remember that the cheapest deal isn’t necessarily the best deal. There must be a balance in terms of cost, phone bundle, your phone choice and hidden fees.

To find the best deals for your money, you might think that you need to check out thousands of deals to do so. There’s no need for that if you keep the following tips in mind.

Assess your phone service needs

Whether it’s your first time applying for a phone contract or you’re looking to switch to a new plan, the first thing you need to do is make sure that your phone plan meets your needs to a tee. You can only do that if you accurately assess your call, text and data needs. What type of user are you? Light, average or heavy user? Then match your plan accordingly.

Use top comparison sites

Armed with the knowledge of your needs, the next step is to compare your options. To avoid the hassle of going through thousands of phone deals, you can rely on comparison sites to do most of the hard work for you. Reliable sites usually have done all the research. All you need to do is compare key factors such as phone service plans, contract terms and of course, cost.

Ask for recommendations

Another excellent way to find the best phone deals is to seek recommendations from your family, friends or colleagues. Remember that not all providers offer excellent coverage throughout UK. It would help if you ask other customers within the same area as you are if they’re satisfied with their subscriptions. Consider said recommendations when deciding the best provider to go with for your 24-month phone contract.

Investigate the fine print

And before you forget, make sure to read the fine print before signing any contract. Phone contracts, in general, are filled with hidden fees and charges. If you want to know exactly what you’re getting into, taking your time to read the small print makes perfect sense. Look out for details on hidden fees so you won’t get shock when your phone bill comes.


Should You Consider Bad Credit Mobile Phones?

It used be that bad credit scores only affect personal loan applications and other financial concerns. Nowadays, having bad credit also means greater difficulty when applying for a phone contract. In fact, most providers may reject your application outright when you have a less than stellar credit rating.

If you need a phone contract and you have bad credit, should you just forget about applying at all? With bad credit mobile phones more accessible than ever, you don’t have to. Even with a poor credit history, you can now avail a phone contract in as fast as within a day.

Bad credit mobile phones exist to bridge the gap in the mobile phone industry. These are phone deals that do not require any credit check hence super easy to avail. As long as you meet the basic requirements, you can almost always expect same day approval for your application.

Just like traditional phone contracts, bad credit mobile phone deals require you to pay a fixed monthly fee over the next 24 months. The fee already covers your phone’s cost and your phone services including call, text and data allowances.

You also get to choose a handset along with your phone service bundle. But this is where a possible downside may lie. Unlike if you have good credit, the handset selection is often very limited not to mention that the handset models may be old. Another downside has something to do with cost. Because there is no credit check involved in the approval process, the fixed monthly fee may be more expensive than usual.

Keeping in mind the downsides, the next question to ask yourself is whether a bad credit mobile phone is the right choice.

While not always advantageous, there’s no denying the fact that bad credit mobile phones are very easy to avail no to mention it’s easily accessible online. If you’ve been refused a phone contract elsewhere because of your bad credit score, this is a reasonable option to consider for the meantime. Once you have improved your rating, you can always opt to upgrade to a better deal with a better handset selection. For the best deals on bad credit mobile phones, is a good place to start looking.


How to Haggle for a Cheap Phone Deal

Did you know that 67% of phone subscribers in the UK are overspending on their phone bill according to BillMonitor? Even with a multitude of incentives, rebates and promotions, why is this still happening? Well, it’s mainly because providers are clever. They lure you with an initially cheap phone deal only to rack up the fixed monthly fee with hidden charges and additional costs.

Before you knew it, you’re already paying for more than you need. Fortunately, there is such as a thing as haggling. When done right, you can haggle for a better deal affording you a ton of savings month after month.

If you’ve been with your provider for a while now, the list of haggling tricks below is perfect for you to try.

Downgrade or upgrade to a different plan

Check your recent phone bills and compare your call, text and data usage. If you notice that your plan is no longer meeting your monthly needs then it’s time to either downgrade or upgrade to a new plan.

If you’ve been with your provider over a year and you’re hooked to a 24-month contract, chances are high that you may be able to upgrade or downgrade at minimal fees. Make sure to call customer service and inquire about your eligibility to make this move. Also make sure to find the right plan that will meet your current phone service needs as closely as possible.

Remember that for every minute of call excess or data usage excess you use, regular rates apply and these charges are often responsible for racking up your phone bill unreasonably.

Inquire about better tariffs

You can also haggle for a better tariff by simply calling customer service. Tell them you’re not happy with your current tariff. With customer representatives trained to retain customers as much as possible, the odds are always on your side. But make sure you have convincing arguments ready to win the negotiation.

If you think your current tariff is expensive, prove it with comparison sites. You can use top comparison sites to compare similar phone deals, which you can bring up when negotiating with your provider.

Another trick is to just go for it even without supporting arguments. Just be confident and tell your operator your current tariff is too expensive. If you’re confident, chances are high that you’ll be offered a cheaper tariff. While you’re at it, you might also request for a better package and even a phone upgrade. Who knows, you might get what you want by simply asking.

Ask to get transferred to customer retention

If you aren’t given what you want, a better tariff that is, you can request to get transferred to the customer retention department. The department goal’s is one and the same, to keep you as customer. All you need to do is repeat the same request that you want a better package at a more affordable rate plus a phone upgrade to cap off the deal.

If you have been a good payer of your fixed monthly fees, your chances of getting what you want is even higher with this department. Just keep in mind though that there may be drawback. One is the possibility of being locked into a new contract.

Switch providers

If speaking with the people from the retention department did not work then it might be the best time to switch to a new provider. You might find it a hassle but considering that your current provider was not willing to go the extra mile for you then you are certainly better off somewhere else.


5 Simple Ways to Save Money on Your Phone Deal

If you’re like most people, you probably can’t wait to get your hands on the latest handsets. They’re innovative and packed with superb features any tech-savvy consumers cannot simply resist. There’s just one hitch though. Mobile phones, especially that latest offers in the market, are extremely expensive. Buying it upfront is one option but most of us can’t spare the cash. This is where phone contracts come handy.

With a phone contract, you get to avail the latest handset without paying for it upfront. Instead, you get hooked to a fixed monthly fee for 24 months covering the cost of the phone and your phone services. All in all, it sounds like a good deal, right? Most people think so while a reputable survey say otherwise.

According to a recent survey, majority of phone contract subscribers in the UK are overspending on their phone bill. In fact, the overspending has been recorded to be in the tune of several billions of sterling pounds per year. Fortunately, there are things you can do to save money on your phone bill.

Start with your needs

One of the reasons why subscribers overspend is because they choose phone deals that do not meet their needs. If you want to pay only for what you need then you need to take your time to assess your needs first.

According to Ofcom, subscribers in the UK use an average of 2GB of data per month. Many continue to subscribe to more data and some even opt for an unlimited data package. This is fine if you’re a heavy data user but totally unwise if you’re like most people. Before signing any deal, make sure you know your needs to avoid overspending.

Choose a lower capacity phone

Higher capacity phones are obviously more expensive than lower capacity options. To save money on your phone deal, you are recommended to stick with the latter option. Of course, getting the 64GB iPhone 6 may seem like the best choice now but if you really think about, it’s rarely that a subscriber uses up all those storage anyway. By opting for a lower capacity phone, lower your fixed monthly fee and save money in the long run.

Steer clear from free gifts

In order to get ahead of the competition and lure customers, providers are offering all types of incentives. Many providers offer free gifts as part of a phone contract plan. While advertised as free, that’s rarely the case when you look at the fine print much closely. The fee for said free gift is often added and hidden on your fixed monthly fee. As much as possible, steer clear of them to avoid overspending.

Consider a family plan

You might also want to consider getting a phone contract with the entire family. Group or family plans typically offer cheaper rates than personal pay monthly contracts. You can invite family, friends or even your colleagues to apply for a group plan with you to save money. Other than the cheaper rates, another perk is the free minutes you can enjoy when calling other members within the same group plan.

Avoid additional features

Keep the features minimal to keep your fixed monthly fee minimal. Sure, all those extra features may seem attractive and they are but they’re also rarely maximized. Even if you’re not really using the features, you still have to pay for them anyway because it’s a fixed fee adding to your total monthly fee. If you can do without the additional features, cutting back will do wonders on your phone bill savings.


Best Cheap Smartphones Under £200

If you’re hoping to snag an affordable phone deal, one of the best ways to do just that is to look for a cheap smartphone. But just because you’re on a tight budget doesn’t mean you should compromise on specifications and quality. You may not afford to buy the latest offering from Apple or Samsung at the moment but you can still enjoy a budget-friendly phone when chosen right.

For consumers who can only spare a small sun for their smartphones, there’s no need to feel discouraged. The upcoming iPhone 6S or iPhone 7 and Samsung Galaxy S6 Edge may be all the talk in the mobile phone industry but there are still a few gems under £200. Below is a list of six of the best cheap smartphones you should get a closer look at.

Nokia Lumia 530

If very cheap is what you want, this small Nokia Lumia 530 is on option at a small price. There’s no front camera and no flash hence the huge drop in cost. What it does have is a set of key features that promise a smooth experience eve for users who like their gaming on their mobile phones. The smartphone features a 4.0-inch screen running on a Quad-core Snapdragon 200 processor. Though stingy with its 4GB storage, the rock bottom price is sure to make you happy in exchange for an all in all impressive performance.

Motorola Moto E

Another cheap phone you can never go wrong with is the Motorola Moto E. Continuing with Motorola’s legacy for the best affordable smartphones today, the phone packs a set of solid new features most users will be content with. It comes with Google’s latest OS, the much talked about Android 5.0 Lollipop, featuring a 4.5-inch screen with front and rear camera and storage of 8GB. Just watch out for some display issues but other than that, the phone is worth is low price.

HTC Desire 510

Do you want speedy Internet on your phone but you can’t afford the higher end smartphones? The HTC Desire 510 may be the phone you are looking phone. It features a 4.7-inch screen with 5MP rear camera, 8GB memory and packed with decent features. Running on Android KitKat, the phone, in most cases, runs fast and smooth. But best of all, the smartphone supports 4G for a fast mobile Internet on a budget.

Huawei Ascend G7

Looking sleek and pretty while also offering a good value for your money is the Huawei Ascend G7. With a large 5.5-inch screen boasting a premium design running on a Quad-core processor, this smartphone looks like is a high-end option. It also comes with an impressive 13MP camera and 5MP front camera plus other surprisingly impressive specifications all at a cost under £200.

Microsoft Lumia 640

Microsoft hit the mark with the Microsoft Lumia 640. If you’re smart enough to buy this phone, you’ll strike gold as well. It’s one of the best and cheapest offering from Microsoft’s line-up this year. The phone boasts a 5-inch screen, boosted RAM and a premium look. In addition, the smartphone also comes with a pretty good front and rear camera not to impress impressive battery life too.

Motorola Moto G

Topping the list of the best cheap smartphones available in the market today is the Motorola Moto G. With its improved camera, large 5-inch screen and other impressive features, this smartphone is the best phone you can buy under £200. Though the battery life is not as impressive as you might it to be, the phone, all in all, offers the best value for your money.