How do you use your phone? A cell phone with a digital camera may be cool, but how often would you really use it to take pictures? Before you pay for features you won’t use, sit down and determine your communication needs.

What plan is best for you? The average wireless subscriber logs 427 minutes per month. When choosing the best plan for your needs, examine your per-minute costs and be sure to ask about your ability to change plans if you find that your needs have changed. For example, if you use your phone only for emergencies, you may want to look into a prepaid plan. On the other hand, if more than one member of your family uses a cell phone on a regular basis, a family plan could save you some money.

Sure it works, but will it work for you? Just because technology is available doesn’t mean it will work for you. For example, it is becoming more and more common for people to use cell phones in place of a landline. In fact, according to the Cellular Telecommunications & Internet Association, about seven million people use only their cellular phones. However, before you pull that plug, make sure you investigate cell phone coverage areas, whether or not your phone has analog and digital capabilities and any long distance charges that may apply.

What are your other communication needs? If you expect a lot from your phone there are many that now offer text messaging, and access to the Internet and email. Investigate whether or not “bundling” your communication services would save you some money.