Finance watchdogs say you could be burning through $1,500 every year in unnecessary charges on your cellphone bill. So, here are ways you can trim your bill – and put big bucks back in your wallet:

  • Set your phone to automatically switch over to Wi-Fi when you’re home or at work. That way, you use pricey cell data only when you really need it.

  • Ditch your carrier’s insurance plan. The monthly charge seems like a small price to pay – but it can add up to $100 a year per phone. And if you lose your phone, you usually have to pay a deductible anyway. So, experts say a good money move is to stash aside a little money every month. That way, if you do lose your phone – you have cash to buy a new one, penalty-free.

  • Negotiate if your carrier wants you to pay an activation or upgrade fee. In the store, talk to a salesperson and say, “I’ve spent $1,000 dollars in the last year with your company. Can you please waive the fee?’”

  • See if your company offers a carrier discount. Thousands of companies work with cellphone carriers to provide employee discounts. So, ask your company if they have a carrier program. Or visit the discount pages at AT&T, Verizon, and Sprint – and enter your work or student email address to see if you qualify.

  • Use a free website to figure out the cheapest plan. At SaveLoveGive.com, you log in with your account information, which gives the site access to your previous bills. The site analyzes the bills, usage and charges – then compares your plan to other available plans, offering you ways to adjust your current plan and save.