After a few months, I’m shocked that more people haven’t done this.

When you pay less, you get lessbut in a lot of cases, it may not matter.

Most off-contract plans, on average, are much less than their on-contract bretheren.

However, coverage may not be the exact samefor example, you may not get roaming in certain areas.

Cricket’s LTE speeds, for example, are limited to 8mbps.

Just don’t expect to download any big files.

Tethering: Not all carriers support using your phone as a wireless hotspot.

In most versions of Android, this doesn’t matter, but on iOS, it will.

If you need tethering, check with different carriers to see which ones support it.

Again, do your research and this won’t be a problem.

The group discountscanbe awesome, thoughmy five in-laws cut their bill in half with an off-contract group plan.

People have a lot of mixed experiences here, but it’s something to be aware of.

See a pattern here?

Check outour guide to choosing a prepaid planfor some suggestions, as well asyour five favorite carriers.

Do the math first!

But most of us barely use the data we’re given, so limited plans are no big deal.

T-Mobile gives you a $20 discount for each new person.

Just look at how much you’ll save vs the cost of your ETF.

You may still come out ahead (or you may have to wait until your contract’s up).