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There are two major factors you absolutely must consider before you purchase a cell phone plan. Usage, and plan types. By understanding your calling habits, and the difference in cell phone calling plans, you've already won half the battle in lowering your cell phone bill or keeping you cellular bill low before you even purchase a plan.

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A common misconception is that cell phone service can be grouped into two plan types. Prepaid and monthly. While this is somewhat true, prepaid itself can also be broken down into two separate categories. Monthly prepaid, and pay as you go. Before considering your usage you'll want to make sure you understand the plans.