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Clever ways to immediately lower your cellphone bill

Most mobile providers have stopped offering free or highly-discounted phones when your contract is up every couple years. Now, they allow you to distribute payments for your new gadget over a period of time, typically 24 or 30 months. Gadget payments are then added to your monthly service bill, which means you can expect a pretty hefty bill each month.  That’s why you need to know these five useful ways to lower your cellphone bill.

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