Think ahead for the ideal plan

PUBLISHED : Monday, 27 October, 2008, 12:00am
UPDATED : Monday, 27 October, 2008, 12:00am

Your parents say you can have a mobile phone, but now you have to decide what kind of service to use.

The easiest option is to buy a pay-as-you-go card.

Pay-as-you-go cards provide next to nothing in extras, and they have the advantage of allowing you to know how much you are spending on calls and text messages.

The obvious second option is to choose a plan. This is where it gets complicated. Don't wait until you're in the shop. Choose beforehand.

It is always a good idea not to rush into things and regret it later.

Write down how you plan to use your phone. What you are going to be using it for?

Will you be using it to call people or mostly taking calls? Will you be doing a lot of texting? Will you be using a lot of 3G services, such as browsing the internet and receiving and sending e-mails?

Next write down your income for the month along with your expenses, and think about what you can realistically afford to spend on your phone bill.

The next step is to research the various plans on offer from phone companies in Hong Kong, and decide which one best fits your needs and your budget.