How to avoid being 'ripped off' and slash your phone bill to as little as £4 per month according to Martin Lewis

With the cost of living still very much biting at our bank balances, finding ways to save money are always welcome — and one hack promises to cut down phone bills to as little as £5 per month.

It's come to light after money-saving expert Martin Lewis recently warned consumers that if they're paying more than £7 a month for their mobile, they're "likely being ripped off".

With many monthly tariffs now costing upwards of £50 a month, slashing your bills could see you save almost £500 a year.

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What is Martin Lewis's advice for saving money on your phone bill?

Martin's top tip is to turn away from shiny new packages and to instead consider a SIM-only deal, where you're paying purely for the data, phone calls and texts that you use instead of shelling out extra for the handset too.

Disclaimer: this only works if you own your phone handset outright, or you're at the end of your contract and it's been paid off (this will typically be after 24 months, but can be anything from 12 to 36).

Whilst a lot of the phone deals you see will be offering the latest iPhone or Android model, it's worth taking a deeper look as many phone providers offer SIM-only deals, with some starting at as little as £2 per month.

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What are the best offers?

The key is to shop around and look at what's on offer. At the moment, phone provider Smarty is offering 50GB of data for just £8 per month. The deal is a limited time offer as it used to be this price for 34GB, so you're essentially getting 16GB of extra data for the same price if you snap it up soon. Or if you want unlimited data, you can choose their £20 a month deal which isn't quite as cheap as Martin's preferred £7 a month but is probably still cheaper than your current deal.

Another phone plan that's worth snapping up, especially if you're a bit of a serial Instagram scroller, is from VOXI. They're asking for £12 a month for 60GB of data but you also get free data on social media use. It's worth noting the social media use doesn't include YouTube or TikTok, but is still a great deal that could mean more money in your pocket.

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Also stepping up with a great savings deal is supermarket and phone provider Tesco, who offer a 60GB SIM only deal for £13 a month - but you do need a Clubcard to get this deal. It's also worth noting that Tesco's coverage works via the 02 network so it can promise 99% coverage across the UK and the deal comes with no roaming charges until 2025 meaning you can use it abroad this summer and not get a shock on your phone bill when you come home.