[header] How to keep a low cell phone bill [title] Refrain from making unnecessary purchases. [step] While it's tempting to buy a popular ringtone or a trendy wallpaper, that's just an extra expense that doesn't make your phone work any better. Some phone companies offer ringback tones, as well, which are not necessary components in making your phone work for you. 
Analyze the age of your phone and determine if insurance is really worth the price. Often, when a phone gets to be several months old, insurance isn't worth the cost.