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DOES YOUR MONTHLY cell phone bill send you into shock? If you go over you minutes, start tracking your talk time. Sign up with overmyminutes.com, (a free service) and you'll receive a message letting you know when you're about to run out of minutes. Try switching to unlimited texting, picking a plan with rollover minutes or going prepaid. Plus, never use your cell phone for toll-free calls or 4-1-1. Learn more on Smartman Daily.
