If you have been paying hundreds of dollars each month, or thousands of dollars each year on your cell phones, stop wasting your money and quit acting so stupid. Are you mad?  Good, now I get your attention.

I am going to show you how you can save hundreds of dollars on your cell phones each month, save thousands of dollars each year, and use the money that you save for a downpayment on a new car or a new home. You can do all these, and more if you follow my money-saving advice starting today. Don’t wait until tomorrow, next week, or next month.

Here are the steps.

1.     Subscribe to TWC (Spectrum) for phone and internet service, at a minimum. Or, you can get a bundle package           from them that include television, phone, and the internet.

2.     Buy an unlocked smartphone from the internet.

3.     Sign-up with T-Mobile for their $3.00 monthly pay-as-you-go plan in case you travel to an area where there 
are         no available hotspots. You must have a phone service for your cellular phone to work, and $3.00 a month is               cheaper than $70.00 each month when you get it through Costco. Spectrum has about 500,000 Hotspots                     connection nationwide. And you can also use public Hotspots. T-Mobile will charge you 10 cents per minute               when you use their $3.00 cellular plan for calls you make when you can not connect to Hotspot locations.

4.     Next, Wi-Fi connects your cell phone to your home router (modem).

5.     Download and install TWC
WiFi Finder and TWC Phone2Go on your smartphone from the internet (Google Play)         if you have Android phones. You may need a Google e-mail address for your Android phone. Read the options           carefully during installation of the apps. You need to enter your TWC ID and the password for the TWC ID.

6.     Use the 
phone2go apps to make all your outgoing and incoming calls, and you can forward all calls made to               your land-line phone to your cell phone without additional charge.

7.     Be aware, depending on the quality of your smartphone, adding new apps to your phone can make your TWC           WiFi Finder stop working. You need this WiFi finder to locate a Hotspot.

8.     Remember, you want to get the $3.00 a month pay-as-you-go plan from T-Mobile in case you are traveling in an         area where there is no Hotspot connection, such as in the jungle of Borneo.

9.     Enjoy your free WiFi calls from Spectrum while saving money to buy your new car or home.