Nothing wrong with cutting a bill. I think this is one problem we face as a nation. People think they have to have a contract phone so they forgo necessities of life to have it.

I understand what a lot are thinking right now, my phone is only $60 a month - that is over $720 a year. That is more than car insurance for a lot of people. The thing is, you don't need that $60+ a month bill, as @noelrivas said, get a pre-paid phone and just pay for the minutes you need and use Wi-Fi as often as possible (only using data when no Wi-Fi is available).

You can save money but it is going to take effort.