What is the Best Mobile Phone Subscription for Your Lifestyle?

There are several answers to this question and some are more apparent than others. This is why our team has taken the time to compile a general overview of the most popular plans as well as what each has to offer. Please note that we will not be referring directly to providers, as their offers inevitably change on a regular basis. Instead, the purpose of this article is to explain the fundamentals of each plan so that you can make a targeted decision while simultaneously saving a significant amount of money.

Post-Paid Plans

Post-paid plans are essentially what most consumers refer to as a standard mobile phone contact. In this case, you will simultaneously purchase a smartphone and a SIM card. This card is assigned with a phone number and a specific contractual allowance. These allowances include:

• Voice minutes
• SMS messaging
• Internet data usage

One of the main reasons why consumers prefer post-paid contracts is that they can spread the cost of a new smartphone over a period of months as opposed to paying a one-time lump sum. In other words, this can sometimes be the most cost-effective option from a long-term point of view.

However, it is wise to point out that many individuals are being overcharged for their plans. This is why a good deal of research should be performed in order to make the right decision before becoming locked into a contract that could last as long as two years.

Pre-Paid (PAYG) Contracts

Pay-as-you-go (PAYG) contracts are another alternative to consider and as Uswitch.com stresses, these could be the best choices if the phone will only be used sporadically or for emergency purposes. Parents will often choose this as an option for a child, as it limits the amount of mobile phone usage within a specific billing cycle. In the event that the credit becomes depleted, it can easily be "topped up" via electronic payment (such as by a credit card or bank transfer).

PAYG plans can also be a wise option for those who are required to travel on a regular basis. Users will often be able to avoid the international surcharges that domestic network providers may charge. Once again, this will depend upon how often the phone is being used.

SIM Only Deals

SIM only deals are quickly becoming some of the most popular alternatives to the two traditional options outlined above. The main intention of a SIM-only plan is to lower the costs associated with a billing cycle. How can this be accomplished without sacrificing wireless connectivity?

As opposed to a post-paid contract, you are not tied into a long-term plan. Furthermore, you are not paying for a new phone. You will simply purchase a standalone SIM card (and its associated telephone number). The good news is that you will still be able to receive all of the same reliable services that you have come to expect. There are other advantages worth noting. Here are some which have been highlighted by the team at The Accidental Geek:

• You will not be able to exceed the limits of the plan without depositing more money; an excellent way to curtail bad smartphone habits.
• You often have the option of retaining your existing mobile number even after purchasing a new SIM card.
• This SIM card can be switched between different handsets if the need arises.
• These are some of the reasons why SIM-only bundles might be preferable when compared to the contracts often touted by major providers.

Contracts for Poor Credit

Many consumers misunderstand the way standard mobile phone contracts function in the United Kingdom. They believe that it is possible to obtain such plans without undergoing any type of credit check. On the contrary, providers will first examine your credit history in order to determine if you present a financial risk. This is why those who have poor credit will often find it difficult to be approved for specific plans. However, there are still options available.

This often comes in the form of a contract intended for those with bad credit. These may involve choosing a low-end handset or obtaining a plan that offers a limited number of minutes and somewhat restricted data usage. However, it is also prudent to point out that the associated monthly tariffs tend to be much lower. This type of contract is likewise an excellent way to improve your credit score over time (assuming that you fulfill the associated obligations and you adhere to the payment plan).

Family Plans

Finally, there are many subscription plans for those with a family. Often referred to as bundled deals, the main takeaway point here is that all members will share the same contract and monthly charges. This is often a great way to lower aggregate costs while being able to keep on top of any payments. Providers may also provide bulk discounts in regards to the number of users. Other perks such as free minutes between members and generous data allowances may be included by the network provider.

Now that we have taken a look at some of the most popular mobile subscription plans, it is clear to see that you have a number of choices. Assuming that you have found one which best suits your needs, make it a point to compare and contrast the latest providers. This is an excellent way to appreciate what each has to offer as well as to note any differences in regards to tariffs and amenities.

Whether you are not satisfied with your current subscription or you are purchasing a handset for the first time, always feel free to refer back to this article.