11. Get texting help: When it comes to texting, you probably think that you have to pay for a texting plan (at anywhere from $5 to $20 per month) or have to pay a per-message fee (of around 20 cents).

But you have a third alternative, and it's free: Use an app to text at no charge. Free texting apps--which include , , , among many others--let you text and IM for free, using popular messaging networks such as Facebook and AIM.

You may have to get your friends or family to sign on in order to obtain completely free texting, but convincing them of the app's merits is likely to be worth your while.

How much can I save? When you kiss your texting plan goodbye, you'll be able to pocket an extra $5 to $20 per month.

12. Get outside help: Not sure which path will save you the most money? Get help at . This very cool site analyzes your cell phone usage (you can grant it access to your account or enter the information manually), and points out plans that will save you money while meeting your needs.