For a while now I have been analyzing my budget and thinking of ways to save money on my biggest monthly expenses. Going line by line in a budget can be eye-opening as well as disheartening, as there are usually items that you pay too much for – but truly feel you can’t live without. My wireless bill is one of those items.
I no longer have a home phone, because I cancelled this service about 7 years ago when I went ‘wireless’ only, so my only means of phone communication is through my cell phone – thus I feel like a cell phone is a must have.
Using my phone for texting has also become a must have, as I now communicate with my family and friends through texts more so than even a phone call… But now for my confession, I also have to have internet as I am an iPhone junky. Yes, I could give this up – but it has become a multi-tasking powerhouse for me that I use for a lot more than checking Facebook or my favorite stock.
I’ve had a number of different wireless plans over the last 15 years and have used every major carrier from Sprint, to T-Mobile, to Verizon, to AT&T. All four of these carriers are unique in their own way, but none of them really offer a low cost option for the smart phone user. You are almost always paying close to $100 (or much more) if you desire a smart phone that contains wireless, texting, and internet. As a frugal person, I felt pretty much ‘hosed’ in this area, because I wanted to be current in the wireless world – yet not pay the price.
But finally after 15 years, I believe my search is over with Straight Talk wireless. I have recently switched over to them and have been more than happy with my experience. Let me explain…
Why Straight Talk
My search started about 2 months ago when my wireless contract was ending. I was already using an iPhone 4 with minutes, texting, and internet and my bill was coming in over $100 a month – and as you know already I was annoyed by this expense.
Now that my contract was ending, I searched the major carriers, but none of them offered any significant cost savings from my current carrier. In short, they were all expensive in my mind. That was until I found Straight Talk Wireless. (I’m sure glad I did)
No Contracts
The first benefit to Straight Talk is that there are no contracts whatsoever. You are billed on a 30 day basis and can cancel at any time. This was very appealing to me for two reasons. First, there was no risk in trying them out. If after 30 days I was displeased with my wireless service, I could cancel… simple as that.
The second benefit of having no contracts is that if 6 months from now I needed to get out of the contract for some ‘unknown’ reason I didn’t have to pay a billion dollar wireless company $250 to cancel. This was a huge benefit for me, because I’ve been through this in the past when one of the major carriers burned me with a $700 bill by changing the structure of my ‘mobile to mobile’ plan. (but this is a blog post for another day)
Anyhow, I think you get my point that I hate contracts and not having one was a huge benefit to my psyche.
Cost
As I looked a little further, I found the biggest benefit to Straight Talk wireless and probably the reason they are growing at ‘Ferrari’ speeds.
They are cheap, I mean really cheap. My monthly wireless bill was essentially cut by 60% by switching over to them, from $105 a month to $45 a month – a $60 a month savings and I still receive all the benefits of minutes, texting, and the internet on my iPhone.
It is an awesome feeling to bank an additional $720 a year with absolutely no difference in my comfort and service – but surprisingly Straight Talk wireless provides this benefit.
Features
You’re probably thinking that this is all well and good, but not much benefit if the features are sub-par I was thinking the same when I first investigated Straight Talk, but I quickly learned that this is not the case. $45 a month provides me ‘unlimited’ nationwide minutes that runs on the same network as AT&T wireless. It also provides me ‘unlimited’ texting which has worked amazingly well so far. In addition to this, it has also given me ‘unlimited’ data. All three features I was searching for in a plan.
Now, there is a lot of debate across the internet on what ‘unlimited’ data actually means with Straight Talk. Some people report the loss of some data services, but I have not experienced this at all. My speeds are limited to approximately 7mb, but since I usually run on Wi-Fi – I haven’t noticed any real issues with using Straight Talk’s data plan when I have to jump on the internet and don’t have a Wi-Fi connection.
(However, I’m very interested to hear from other users to get their experiences. Please comment below if you’ve found the data plan to be sub-par)
Reception
One of my big concerns with switching to Straight Talk was the reception on my cell phone. I was concerned that there would be dropped calls, or just plain crappie reception when driving through town or on my couch at the house.
I figured there was no way to test this out without signing up and trying it. In my mind, it was a risk I was willing to take. If after 30 days, I found that I disliked the reception – then I could always go sign up with another carrier and chalk it off as a something I tried, but didn’t work.
Thankfully, my wireless reception is just fine. Straight Talk runs on the AT&T network, so from what it appears so far, my reception works the same as an AT&T cell phone. This does appear to be the case, because my reception has worked extremely well since I switched over. Straight Talk works in my house and town, but I’m guessing every location will be different and this is one area I cannot guarantee will turn out the same for you. (Please check your own wireless availability before switching over.)
My Plan going forward
So my one month trial is now almost over and I am planning on signing up for another 30 days of straight talk. Frankly, I’ve signed up for the automatic 30 day refill which will keep me on the Straight Talk plan until I decide to cancel, which at this point it looks like I will be with Straight Talk for some time.
In my opinion, you can’t beat the price of Straight Talk Wireless. I can run my iPhone 4 with unlimited calling, texts, and data with no problem whatsoever. The reception is great, and I’m a happy camper. For me, It’s a no-brainer – Straight Talk is King.
Ask the Readers… Have you tried Straight Talk wireless? If so, how is your experience been? If not, why not?










{ 33 comments… read them below or add one }
I have never heard of Straight Talk Wireless, I assume they have no presence in Australia.
I do however save a tonne of money by using Skype and Whatsapp on my phone. Since downloading and using those apps I have never gone over my monthly plan.
Glen @ Monster Piggy Bank recently posted..Using Coupons to Save Money
I agree that Skype is awesome. When I would travel to Asia for work, I used Skype religiously.
I’ve never heard of Straight Talk. We’ve used Trac Fone in the past and just had horrid service from them. We could never count on being able to have service. We have our service through Verizon, I do hate the bill but at least we can count on the service. I definitely would be open to a non contract option, I think a big problem is that the “big boys” will just try to keep them out though.
John S @ Frugal Rules recently posted..Working From Home – A Mom’s Perspective
Check them out John when your contract is up. You can always go back to Verizon.
@John S. – Straight Talk is sold through Walmart and if you make sure to get a phone with CDMA, you will be using the Verizon networks. That is what I had to do. I live in a rural area and the best network around here for reception is Verizon so I made sure to get a phone with CDMA. If you don’t ask, you will get one with GSM and it will use AT&T’s network.
@Kellie B – I am looking into switching from Verizon to Straight Talk, however my biggest hesitation is that Verizon is one of the few carriers that provides great coverage at my home. I was told by ST that if you brought your own phone it had to be an unlocked GSM phone. Are you currently using a CDMA phone with them? That would be great if I could just take my current phone with me!
Sounds like a pretty good deal… Here in the UK we have very limited number of providers offering unlimited data. In fact I think there is only 1…
Savvy Scot recently posted..5 Energy Saving Gadgets for A New Year
I think Straight Talk is only in the US, but they do offer international rates for $20 more per month. Not sure if this is worth it though.
Sweet. That sounds like a good deal. My work pays for my phone but I always keep an eye out for deals in case they ever quit!
Holly@ClubThrifty recently posted..5 Ways to Stop Collection Calls
I’ve heard of them and a few other smaller carriers but I haven’t taken the plunge because I was primarily concerned about coverage. I was worried about dropped calls and having poor internet connection, and that held me back from looking much further. I’d like to hear how it ends up turning out for you as it would be something I’d switch to when our contract is up.
Jason @ WorkSaveLive recently posted..4 Easy Debt Reduction Strategies – Explained
I was concerned about this as well, but was pleasantly surprised to find that my coverage is excellent. I hope this is true for you as we’ll if you ever decide to switch over.
Straight Talk buys spectrum from the four major carriers at wholesale and sells it to us at a lower cost. So when you buy service from Straight Talk you’re using the exact same network as customers of AT&T, Verizon, Sprint or T-mobile, depending on which phone you have.
I’m planning to switch to them or Virgin Mobile when my contract with AT&T ends this summer.
Ryan recently posted..Be Romanced by the Library
Thanks Ryan, great insight. I knew they ran on AT&Ts network, but didn’t know they also ran on the other providers.
I haven’t heard of Straight Talk, but I love that there aren’t any contracts!
The Happy Homeowner recently posted..2013 Financial, Personal and Household Goals
Check it out – I’m pretty happy with it.
My contract just ended. I too will most likely end up on this bandwagon!
Ian recently posted..The 2013 Peer to Peer Loan Project!
Ian, I’m very happy with Straight Talk. If anything, if after 30 days you’re unhappy, you can always cancel.
iPhone with a data plan gets ridiculously expensive . i am still in contract, but you are saving $50 every month. For 13 months remaining in my term, it would be $650 which would more than cover for my early termination fee. I have start looking at straight talk and whether I can port my Verizon phone to it.
Rohit @ The Money Mail recently posted..Roth IRA
In that case it makes some sense. May want to run a trial to see if it works for you before ending your contract.
I haven’t heard of Straight Talk and maybe they don’t have it in my area, but by husband switched over to Virgin Mobile prepaid and has internet, text and talk for $35/month. I believe he only gets 100 minutes of talk, but we never call anyone. I think this will be what I do when my contract is up in July, but I still have to buy a phone, bummer. It probably won’t be an iPhone.
Kim@Eyesonthedollar recently posted..Would You Take a Lump Sum for A Structured Settlement?-$1000 Giveaway
This sounds like heaven to me. I have complained to my husband about what I consider to be outrageous fees for verizon smartphone service. At $142 per month, it is one of our biggest expenses. It has always seemed to me that the big cell carriers make a ton of profit of smart phone folks. Our contract is up in April and I will definitely be checking out straight talk.
Suzanne recently posted..39 Financial Advisor Marketing Ideas That Rock
It’s working great for me – so I can’t complain.
I have been thinking very seriously about Straight/talk but have a few concerns. One is signal strength. I am currently with US Cellular.Does US Cellular and Verizon use the same towers? Second, is there any other charges per month besides the $45.00 a month if someone other than straight/talk calls you ? Also I have been told that if I leave US Cellular and want to go back, I will not be able to go back to my current plan if I am not satisfied.Can you give me some input on this ?
I just got the straight talk plan… I had an AT&T IPHONE to begin with so it was an easy switch. I use wifi all the time at home, but once I leave the house… I have NO Internet connection- no email, no Facebook, no Instagram… Nothing related to the Internet or data… I was told “yes straight talk works with iPhones” “no, it won’t… Everything except Internet will work”… Then they came out with the iPhone 5 being sold WITH straight talk. So I’m a little confused as to why the moment I switch from wifi to 4g, my interest access is cut…
Lisa, you need to update your APN settings in your iPhone. I am also using an iPhone and my data (Internet) works fantastic, but I needed to update my APN settings for this to work. ST won’t do it for you – you have to do it on your own. Google it and you should find the instructions.
I have a similar problem. . . i think. My phone works great in 3G but when there is a public wifi spot ie at work in my hospital, I am not able to connect to the network UNLESS I turn OFF my cellular data. My wifi works fine at home on a secured network but my phone won’t connect in public areas. Whats up with this? Anyone know? My APN settings are correct and I get great service otherwise.
Jason: Valuable article. Man, you really did your research here, so thanks for the information. I am definitely going to look into this and make the switch. Great job here!
STEVEN J. FROMM, ATTORNEY, LL.M. (TAXATION) recently posted..2012 Year End Tax Planning Strategies
Thanks so much for your great articles. I am so tired of paying so much for wireless phones. I just need to make sure I can get a family share plan, as I also have my husband and parents on my current plan. I will definitely look into the straight talk plan. I also read your other blog about cable and I’m going to follow your advice on that as well. Thanks so much for doing all this research!
I have a Sprint iPhone and an trying to find out if there’s a way to transfer it over to Straight Talk. Any ideas? I’ve read conflicting stories on line.
Kim, I’m not sure but you can check at Walmart. This is where it is sold in person.
If I have an iPhone 4 through Sprint that I ended up defaulting the contract and had the bill sent through collections because I wasn’t able to pay the bill due to incarseration. Could I possibly bring that phone over to straight talk that I miss so much?
Bettie, the signal strength is great as it runs on the AT&T network. Texting and web also work great without any issues. MMS doesn’t appear to work (group text or image text), so I need to do some research on why.
As for the price… $45 is it. There is no “hidden” charges.
Tae, this may not be your problem, but sometimes in public areas you have to accept the T&Cs to use. The network. You usually have to go on the web and it redirects you first. Then after you accept you can use your email, Facebook, etc.
If this isn’t your problem then I’m all ears from the other commenters, as I’m not sure what is wrong.
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