Reducing your phone and broadband bills

Getting a new phone can be expensive. If you can afford it, is it cheaper to buy the phone you want or as part of a contract?

Comparison sites suggests that buying a phone and taking out a SIM only deal can save you money. On average, they calculate this could save £100 – £300 compared to a 2 year contract.

Know what you need from a contract and only pay for what you need.

• Pay As You Go - you pay for the call minutes, texts and data you use
• Pay monthly - A monthly contract with an allowance of calls minutes, data and texts

The best option for you depends on how much you use your phone and what you use it for.

If your current phone is working and doing all the things you want, consider if you need a new phone.

If you do need a new device, do you really need the latest flagship phone? Buying last year's phone could save you money. Consider buying a refurbished or second-hand handset.

Over the past few years there have been changes to mobile roaming charges. It’s important to check if roaming charges will apply in the destination you’re heading to.

It's worth checking as these charges could have changed since the last time you travelled.