2. Trim the fat: Examine your cell phone to see what services you're paying for above and beyond your voice and data plans. Are you paying your carrier for mobile insurance? ? Roadside assistance? Visual voicemail? Then think about whether you need these extras. In the case of voicemail, for example, your call log shows you the name and number of incoming callers, anyway--and that's free.

How much can I save? This time, let's use AT&T as an example.

Here are a few of the , and the monthly charge for each:

Opting out of just half of these billing add-ons can save you anywhere from $7.97 to $26.97 each month.