If You’re Spending More Than $20/Month on Your Mobile Phone Plan, You’re Paying Too Much

by | Last updated Apr 5, 2023

I cut my cell phone bill by almost 70% and got a plan on the same network with more data!

On this site, I usually write about ways to get free and cheap TV without paying for cable or satellite. But today I want to talk about how to save money on the other big subscription cost in your life: your cell phone bill.

Are you paying $50, $60, or $70 a month on your mobile phone plan? You might be paying way more than you need to!

After years of spending $55/month on what I thought was a great cell phone deal from T-Mobile, I’m now paying $15/month for unlimited talk and text and 5GB of data on the same T-Mobile network! That’s a savings of $480 per year!

Is This For Real?

In the old days, you’d get your cell phone plan from one of the Big Four: Verizon, AT&T, Sprint, or T-Mobile. This is now the big Three since Sprint and T-Mobile have merged.

Then came the MVNOs, or Mobile Virtual Network Operators. These carriers lease cell phone infrastructure from the Big Three or regional carriers like U.S. Cellular. In other words, they don’t have their own cell phone towers.

When low-cost carriers like Metro PCS started offering cell phone plans at a fraction of the cost of the major brands, I thought they were scams. Or perhaps they had shoddy service, poor coverage, or some other catch. “How else could these insanely cheap rates be possible?”, I thought. “My phone service is way too important to skimp on!”

Well, after switching myself, my wife, and my mom to low-cost carriers, I can attest that they are totally legit! We have not noticed any difference in reliability or coverage compared to Sprint, AT&T, or T-Mobile.

I’m now hitting myself over the head when I think about how much money we could have saved over the years!

Why These Carriers Are Cheaper

Since these low-cost carriers are renting bandwidth from the Big Three, you would think their costs would be just as much or higher. But, the MVNOs costs are lower because of cell phone tower prioritization. In a crowded area, an MVNO user might experience lower speeds than a primary customer of one of the Big Three. That might sound scary, but I haven’t noticed a difference in coverage since switching, though I live in the city and some folks in rural areas say that these smaller carriers don’t work as well for them there.

MVNOs also have lower marketing costs. You might not have heard of Mint Mobile or Republic Wireless, but everyone has seen TV commercials for Verizon, AT&T, and T-Mobile.

In addition, MVNOs generally have fewer retail locations or are online only. That saves a ton of money.

MVNOs may not offer some features and perks like international roaming, free anti-spam app, or phone financing. Some plans don’t offer mobile hotspots.

Finally, for a lot of these low-cost carriers, you have to pre-pay for up to a year at a time, to get their lowest rates.

These issues may or may not be important to you, so research before choosing. For me, most of these are not show-stoppers, and I’m super happy with the low-cost carriers that I have had experience with.

The Carrier I Chose

There are dozens of MVNOs out there. I did some research and chose Mint Mobile because they offered an insane $15/month plan with 5GB of data (originally 4GB, 2GB more data than my $55/month plan from T-Mobile). You can get 10GB of data on their $20/month plan. Both require a one-year pre-payment to get these rates, although there was a three-month introductory special when I signed up. They also have an unlimited data plan for $30/month with a one-year pre-payment.

Mint Mobile also has great reviews online. And yes, one of the owners of Mint Mobile is actor Ryan Reynolds:

Mint Mobile also includes mobile hotspot capability. I don’t use it very often, but it comes in handy in a pinch.

I pre-paid for three months in advance. In about three days I received a FedEx envelope containing my new SIM card.

Before switching though, I had to unlock my phone by calling up T-Mobile. They were happy to do it and didn’t even ask why. But, I had to wait about four days for it to complete.

Will My Phone Work with Mint?

Mint uses the T-Mobile GSM network, so if you have T-Mobile now, your phone will work with Mint as long as it is unlocked.

AT&T also uses GSM, so those phones should work when unlocked.

Verizon and Sprint use a different system, CDMA. However, most modern iPhones have both GSM and CDMA chips in them.

If you want to be sure, use Mint Mobile’s website and enter your phone’s model.

The Activation Process

I’ll admit, I was kind of nervous during the activation process. I rely on my phone for business, and I don’t have a backup landline. If Mint Mobile was shoddy, it would be bad. Plus, they have no physical stores, so if something went wrong with my phone during the install, I could be left with a brick!

I had an older phone which required swapping a physical SIM card. Newer phones like the iPhone X and above can use an e-Sim which doesn’t require any physical card. When my wife switched to Mint on her iPhone X, she didn’t need to mess around with any SIM cards.

After swapping my SIM card Mint says it could take up to a day for your service to be switched over, but for me, it was nearly instantaneous! I got an email from T-Mobile saying my plan had been canceled within minutes.

I started testing out Mint. I made a test call, then tested data as I walked the dog around our neighborhood. So far so good!

The only problem I had was that the next day, my Mac and iWatch were not receiving text messages. I solved that by simply logging out and back into Messages on my phone. Fixed! My wife had a similar problem that was solved by logging out of iCloud on her phone and logging back in.

Now I’m loving my Mint Mobile service and have not had any problems since! My only regret is not switching sooner!

Disclosure: Some of the links on this page are affiliate links. This means if you click on the link and purchase the item, I will receive an affiliate commission at no extra cost to you. I test or research each product or service before endorsing. This site is not owned by any retailer or manufacturer. I own this site and the opinions expressed here are mine. As an Amazon Associate, I earn from qualifying purchases.

Migrating to a New Phone

OK, but how hard is it to move your Mint account to a new phone? My wife and I both went through the process when migrating to new iPhones. After migrating all of your regular phone data, install the Mint Mobile app on your new phone (if you don’t already have it from the migrated apps). Click Support, then Change Device. Just follow the steps and your Mint Mobile account will be moved over! It’s quite easy!

If You Need Physical Stores

Although my Mint Mobile activation went smoothly, I would not recommend the process for folks (like my mom) who are not comfortable doing some of the steps that I’ve mentioned above.

Luckily, there are other low-cost carriers that have physical stores and staff who are happy to help if you don’t mind paying a bit more for their services. If you want a low-cost carrier with physical stores, I would recommend Metro by T-Mobile, also very highly rated online.


So, I’m here to say that these low-cost carriers are not scams! I have experience now with Mint Mobile and Metro, and both have been great!

There are caveats though. If you’re a heavy phone user, like a traveling salesman, and you need the ultimate in reliability and plenty of physical stores in lots of locations, then these low-cost carriers might not be right for you. But for most people, these carriers are great, and can save you a ton of money! – Brian

Keep in Touch – Subscribe to My Posts

Brian Shim, DisableMyCable.com

I'm an electrical engineer (BSEE Caltech) with twenty years of experience designing industrial and consumer products, and now a web developer who loves to share ways to save money on TV content, Internet access, and cell phone plans! Read more about me here.

If you liked this article, please sign up for email updates. I'll send you a note when I publish a new article, no more than once a month. Unsubscribe any time. You can also watch my videos on YouTube. - Brian

* indicates required

Continue Your Journey...

Go to my next article to learn more about ways to get free and cheap TV.

Ask a Question or Leave a Comment

I try to answer every question. If you have a reception question, please leave your zip code.

Notify of

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Inline Feedbacks
View all comments

Pin It on Pinterest