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If your finances are in good shape and you have decided you like your current wireless phone service, fine. But if you're seriously trying to improve your finances and simplify your life, think hard about how you use your wireless phone.

Do you drive around talking on your phone? If so, you are increasing your chances of suffering a serious automobile accident. Your probability of having an accident rises to about that of a drunk driver impaired with a .10 blood alcohol content, according to published research.

Consider this: If you decide not to talk on your wireless phone while driving, your number of minutes used may drop into the range in which highly affordable prepaid service is the best deal.

Or, if you have several wireless phones in your household and one is a "low-minutes" phone used only for security or "Come pick me up" messages, consider switching it to a highly affordable prepaid plan.

Or, think about this: Does using your wireless phone a lot, especially while driving, actually simplify your life? Or does it make it more frenetic as you try to pack even more into every day?

>Go to the prepaid wireless phone page to find out how to pay less while simplifying your life