Watch Those Cell Phone Fees-Or Pay Nothing at All

I always swore I’d never buy a cell phone. It’s not so much a financial issue. I understand that cell phones are becoming increasingly economical, and many folks are abandoning their land lines and using a cell exclusively. However, a study by the Utility Consumers’ Action Network found that actual costs incurred by 700 cell users surveyed averaged more than $3 per minute when factoring in unused minutes, service contracts and other fees. Ouch! More on that in a bit. My decision …