Keeping Track of Cell Phone Charges Is Key to Lower Wireless Bill

Ever found a not-so-pleasant surprise when you opened your wireless bill - and saw some unexpected cell phone charges? Those days might be over, according to Chicago bankruptcy attorneys.

This week the Federal Communications Commission announced it was looking into a plan to notify wireless customers when they are ringing up cell phone fees not covered by their plan, like roaming or data usage charges.

For phone customers, it can only help. But is it really needed? The truth is, you don't have to wait for a bill to find out how much you're spending. All you have to do is make an effort to keep better track of your money.

Don't worry; you don't have to tally up every single text message. Most wireless providers will allow you to set up an online account where you can view your charges as they accumulate each month. It's as simple as logging in once in awhile - especially when you've been traveling (roaming) or texting more than usual - and checking up on your bill.

The same principle applies to other areas of your financial life. Is it possible that your checking account is getting perilously close to zero? Do you think one more large charge could send you over your credit limit? Instead of crossing your fingers, tempting fate and writing that check or swiping that card, why not simply find out? Get in the habit of periodically checking up on the state of your finances.

In doing so, you'll find that you get a better sense of how much money you're spending, when you're spending it and what you're spending it on - all things that can help you develop a more realistic and manageable budget. As an added bonus, you'll also be quick to catch any new fees - or, worse, any suspicious activity, such as identity theft.

You don't need Uncle Sam to manage your finances (though it is nice to have him on your side). Ultimately, no matter how many consumer protection regulations are passed, you will be the one responsible for your money and where it goes. So if you don't like what you're seeing, it's up to you to do something about it - and sometimes that means seeking help. If you're up to your neck in debt, bankruptcy can give you the tools you need to dig yourself out and start fresh. When you sign up for our free one-on-one debt analysis, a professional bankruptcy attorney in Chicago can identify a plan that's right for you.

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