With  the sluggish economy, families are looking to save money anywhere they  can. Americans need to know that they don't have to sit by and pay those  dreaded cell phone and television cable bills that take a chunk out of  the budget. The November issue of Woman's Day (on newsstands October 12) provides solutions to only paying for what you need but eliminating unnecessary costs. So how can a family keep these bills in line? When it comes to the family cell phones, Woman's Day  says the most important place to start is by reviewing your plan. Cell  phone provider's customer service departments can design a plan that is  specific to the kind of minutes and texts each person uses.  Additional hints experts give include: -          Watch for unexpected charges for going over your minutes (add 10-15% more than you think to be safe) -          Add  up your texting charges. They can be up to 25 cents for each sent and  received text so inquire if it makes more sense to get even a basic  texting plan -          Stay within a network. Try to get on the same providers as your friends and family since those calls are often free -          Use alternatives such as Skype and Google Voice -          Consider prepaid phones for light users For the  rest of the bills there are creative options as well. Downgrading a  landline phone to local service only (while using a cell phone for the  long distance calls) or using phone cards can reduce bills to under $20.  While using digital cable providers or an e-call service such as Skype  or iCall can also significantly reduce rates.    Cable/Internet Woman's Day  also addresses cable/satellite and internet bills. There are options  that many people are not aware of such as calling to negotiate a lower  rate that another company is offering, reducing their channels to just  the ones they really need, or eliminating cable all together. Sites like  Hulu.com are great solutions for people with no cable access.  Internet is another necessity in today's world so finding different options is key. Some suggestions that Woman's Day  have found successful are using free connections at the library or a  local coffee shop or shopping around for the basic dial-up or DSL  connection and broadband services. These unconventional options can  lower bills as low as $15 or $20 a month.   | 
| Click here to read the Women's Wear Daily November article on cutting your cell and cable bills | 
Women's Day Offers Out-of-The Box Ways to Reduce Cell Phone and Cable Bills in the November Issue
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