Step 3 of the Barefoot Investor Steps is Domino your debts, this means having a close look at your current bills and seeing whether you can negotiate or find a better deal. For me at the moment until I buy my house the only payments I am in charge of are my health insurance and my cell phone bill. This week I will share with you my investigation across current Australian cell phones to you and reveal to you which company I am changing to and how I am getting my next year’s worth of cell phone access for free.

My main recommendations from my research across the Australian market

Like Dave Ramsey I’m big on not having debt or payments if possible. Like Dave says, “Cash is King.”

This is particularly true when investigating cell phone plans in Australia, plans as opposed to prepaid deals are a big, fat, rip off. My two recommendations to save your money are:

Own your phone outright

Because I bought my iPhone 7 outright last year it means I have been able to have the flexibility to choose the best deals on the market and save a lot more more money.

Do your research

There are always new providers coming out that you potentially have not heard of. All providers I find either run through the big networksIf you live in a big city like me, I’m based in Brisbane, reception is not a problem. To save you some time I will share with you my research for this year.

Research

Prepaid providers

The below nerd calculations show my research across network, data, calls and texts and costs. Things that were my non negotiable items:

  • At least 3GB a month
  • Unlimited calls and texts in Australia
  • Lowest possible price

So here we go…

Lebara – my current provider that finishes on 14 July 2018

Last year I got an amazing deal from Lebara last year for $180 for 5GB of data a month, unlimited calls and texts in Australia, international calling to 15 countries (New Zealand, UK and Canada are all I care about). Their prices have gone up significantly since last year for the 365 day plan so I got cheeky and contacted them on Facebook Messenger to see whether they could offer me a better deal:

Unfortunately not all Barefoot Investor investigations go to plan and get the results achieved by Scott Pape. So here’s what Lebara have going this year…

Link to provider: http://www.lebara.com.au/mobile-plans/longterm-plans

Network: Vodafone network

Data: 60GB or 5GB a month

Call and text: Unlimited calls and texts in Australia and international calls across 15 countries

Cost: $300 over 365 days (this works out to be $25 a month)

Coles Mobile

Link to provider: https://www.coles.com.au/our-range/our-products/coles-mobile

Network: Optus network

Data: 42GB or 3.5 GB a month

Call and text: Unlimited calls and texts in Australia

Cost: $180 over 365 days (this works out to be $15 a month)

Kogan

Link to provider:https://www.koganmobile.com.au/medium-365-day-prepaid-plan/

Network: Vodafone network

Data: 6GB

Call and text: Unlimited calls and texts in Australia

Cost: $223.90 over 365 days (this works out to be $18.66 a month)

Boost

Link to provider: https://boost.com.au/plans-2/

Network: Telstra network

Data: Unlimited calls and texts in Australia

Call and text: Unlimited calls and texts in Australia plus 100 minutes of international calling

Cost: $30 a month, $360 over 12 months

Plus free Apple music streaming

Woolworths Mobile

Link to provider:https://mobile.woolworths.com.au/prepaid.html

Network: Telstra network

Data: 5GB a month or 60GB a year

Call and text: Unlimited calls and texts in Australia plus unlimited calls to 10 international countries

Cost: $30 a month, $360 over 12 months

Aldi mobile

Link to provider:https://www.aldimobile.com.au/plans/valuepacks/

Network: Telstra network

Data: 4GB a month, 48GB over 12 months

Call and text: Unlimited calls and texts in Australia plus unlimited calls to 15 international countries

Cost: $25 a month or $300 over 12 months

Best option for me for the next 365 days

Coles mobile is the winner this year for me.

  • It works out to be $15 a month or $180 for a year
  • I use wifi at home and at work so 3.5GB a month is fine for data
  • Unlimited calls and texts to Australia

But wait a minute – how are you getting this for free?

You may have missed my previous article about how I got $950 for free in 2017. Flybuys is my biggest profit maker.

Because I decided to go with Coles Mobile I’ve decided to cash out some to make up the $180 cost:

  • I got 6000 Flybuys points credited for being a Medibank member that randomly got sent to me
  • I got 2000 Flybuys points credits for my grocery shop on the week of the 30 April
  • I got 20,000 points offer for applying for a Coles no annual fee credit card that Coles sent me via the Flybuys app
  • I had another 12,000 points on my Flybuys account I cashed out from grocery shopping at Coles, Medibank and other Flybuys partners

How are you saving money on your bills?

Are you negotiating with your companies? Have you done some research that might help others? What deals am I missing?

Selfie!

The Economiss is a single, female, millennial on a mission to buy her first home in Australia. A Kiwi by birth, she jumped over the ditch after she finished her tertiary qualifications in search of employment. The narratives quite often showing up online overshadowed her thoughts of buying a house alone changed in 2017 The Economiss started super charging her finances and saved over 30% of her after tax income towards her house deposit as well as cash flowing four overseas trips. In 2018 The Economiss decided to create a new narrative and share her journey saving 36% of her after tax income for a $60,000 house deposit by December 2018. Do you have some tips to share or want to be featured on the blog, please get in touch!

Getting the best deal for your mobile in Australia

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