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You see the cell phone plan deals and minutes offered in advertisements. Whether it may be television, newspaper, magazines, or radio we all by now have seen the minutes offered with family plans and so forth.
A very popular plan among the American population is the 1,000 minute plan. While it may seem like a lot of minutes, you can run out long before the next month. This can end up costing you more in the long run.
One important aspect of buying your calling plan is the amount of people who will be using the minutes. The who is also just as important. Do you have a teenager on the plan? Do you have a chatty spouse? Are you a chatty person in general?
To help you better understand what your usage will be in a realistic manner, using hours instead of minutes is vital. Converting your minutes to hours will help you better see exactly how much time each month you will need. We plan our days by the hour, why not our cell phone minutes?
A somewhat simple way to calculate how many minutes you are going to need or may be lacking is to basically make some rough estimates of all possible user\’s monthly usage by rounding off into hours. Yes, hours not minutes.
Stan (Husband) 4 hours
Debra (Wife) 3 Hours
Sara (17 years Old) 5 Hours
Issac (15 Years Old) 4 Hours
TOTAL FAMILY USAGE: 16 Hours
Sue (17 years old) 5 Hours
Now with this rough estimate of hour usage, which may be conservative, you just now need to convert them into minutes. All you have to do after you have you hour usage estimated is multiply your total monthly usage by 60:
16 hours x 60 = 960 Cellular minutes
As you can see, we came up with a total of minutes by using the times by 60 method. The family usage for this month ended up being a total of 960 minutes.
When you multiplied your hours to get the amount of minutes for cellular calling that worked for your own estimate of usage. To get a better quick estimate of realistic talk time you can also divide the minutes on an advertised plan by 60 to get a view of how many hours a month you will be able to use.
If you do not want to do the math, here are some quick conversions that can help you out quickly. 3,000 Min./50 Hr. 1,500 Min./25 Hr. 1,000 Min./16.5 Hr. 600 Min./10 Hr. 300 Min./5 Hr.
16 x 60 = 960 Minutes
The end result will be the amount of minutes you expect to spend on your cell phone plan each month. So with this family using 16 hours a month we have come up with 960 minutes.
Dollar Cost Averaging is not a benefit if you are getting poor returns. Believe me, I invested consistently for fifteen years directly into various mutual funds. I bought over $125,000 in mutual funds with the biggest dealer and ended up with an averaged return of a criminal 2.05% a year!
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