Dial up some cellphone savings

I recently read a story about how more and more Americans are opting for prepaid wireless service over a monthly cellphone plan, and this is a great way for many of us to save money. If you're locked into a plan buying, say, 600 minutes a month, yet you only use 300, you might be able to save by paying only for the minutes that you use. Prepaid service may also be a good option for people who use their phones primarily for texting and leave a ton of minutes on the table at the end of each month.

The fact is, many of us are paying for minutes that we're not using, so shopping around is a smart money move. Try visiting billshrink.com or myrateplan.com to compare options and find a plan or prepaid carrier that fits your calling needs.

And while you're at it, consider whether you really still need a landline home phone. At the Capitalist Pug household, we recently canceled our home service. The only difference we've noticed? We don't get those three or four annoying telemarketer calls a day anymore.

DISCLAIMER: Wendell the Pug does not own a cellphone. In fact, he is incapable of using one for any purpose other than as a chew toy.