Many of us have old plans with our cell phone company. Over time, the monthly programs offered by many companies have improved.

My plan with ATT offers the ability to call any cell phone in the country without additional charges. It used to be that I could only call people who were ATT subscribers. In fact, years ago, any call I made was counted against my minutes leaving me with no choice but to carry a large plan or make short calls.

Since I can now call any cell phone in the country without charge or the expenditure of valuable plan minutes, I no longer need as large a monthly plan. As a result, I was able to reduce the number of anytime minutes I buy from ATT monthly, saving me a substantial percentage on each bill.

Since most people make and receive nearly all their personal calls on their cell phones, I suggest you consider what your real needs might be on a monthly basis. It may be that you don't need to keep as large a monthly plan as you may have. The savings of paying for a smaller plan over the years can be quite substantial.

It's fair to say that you could save thousands of dollars over a ten or more year period.