Not really a "hack" but I don't know why most people get into phone contracts.

Since college, I have always just bought unlocked phones with cash and then used the carrier's prepaid plans and set it to auto pay.

I pay so much less than most people I know, I get all the same service, and my phone isn't tied to a contract or carrier, so I can cancel my plan whenever I want and switch to another carrier by just buying their SIM card for ~$20.

My current phone is an unlocked Pixel 6a that I got on sale new for $300. I have unlimited talk, text, and data for $45 a month. And if I get sick of my current carrier or they bump my cost, I can just switch to anybody else for just the cost of a $20 SIM card.

I have so many friends and family members that complain about their phone bills being super high and their service sucking, but they can't cancel their contracts without paying off their huge balances plus the interest and usually cancelation fees. Plus, because their phone is tied to the contract/carrier, they can't even keep transfer the phone to the new carrier and have to get sucked into a "phone trade-in" deal and the cycle continues.

And for the folks saying that most people can't afford to save up and buy a phone outright, there are a lot of places that offer payment plans for the phone, or you can buy it on credit and pay it off that way, which would likely be less interest over time. Or you could buy unlocked used/refurbished phones for 25-50% off their normal price.

Maybe it makes sense if you get a stipend from your company, or you bundle it with a bunch of other packages like cable TV or internet, but for just a cell phone, I just don't get locking yourself into a crazy contract.