Cell Plus

If you are planning on giving your child or teenager a cell phone attached to your family plan, make sure you set up unlimited SMS text messages before you hand them a phone. Younger people tend to text far more than most adults would have time to manage, and it can add up quickly.

Alternatively, consider setting up your plan to send you warnings when you start getting to within a set threshold of your limit. Simple advance warning can go a long way toward keeping you from ending up with a huge texting bill at the end of the month.