You're definitely definitely probably overpaying your phone bill

It's the easiest prediction in the world: your mobile bill is too high.

How can I be so sure? Well there are three ways I can be right:

Contract zombies

Firstly, you might be one of the 13% of people whose mobile contract has come to an end and you're still paying it. You're "paying off" a phone that you've actually already bought outright.

Thanks to OFCOM (a rare combination of words), networks are legally obliged to tell you 10-40 days before the end of your contract to warn you. They then have to remind you every year you're out of contract. AND YET, millions keep giving their hard earned cash to the telecoms giants.

Screen peel addicts

Secondly, are you sure you shouldn’t just be on a SIM-only contract?

Sure, nothing beats the dopamine hit of sliding open a cardboard box and being pleasantly surprised that your new phone comes pre-charged. You log in to your accounts, feel good about yourself for not download ALL the same games you had and then, and only then, do you peel off the screen protector.

But buying a phone on contract is essentially taking out a loan to buy a phone - sometimes it’s cheaper to just buy it up front.

So if you shift to SIM only, you can keep using an existing phone or buy a refurbished or second hand model and save on all that "interest".

Data eyes bigger than data stomach

Finally even if you’re on a new, SIM-only deal: you might be one of the 71% paying for more data than you use!

The average user uses only 4.5GB of data a month - chances are you can save some money by going for a smaller plan. If you’re paying over £10 a month for a SIM only deal, that should be a big RED FLAG.

So take a proper look at your mobile bill, work out if you’re overpaying and then head to a comparison website.

Money Saving Expert literally has a deal with Lebara for 15GB of data, unlimited texts and unlimited minutes for £1.49 a month rising to £7.90 after 6 months.