I just noticed my bill for using 2 iPhones is going to run around 180.oo us dollars. Any suggestions on how I may be able to lower my bill?

Question

I have 2 phone lines using and Iphone 4s and an iPhone5s:
My service includes MObile share 1 GB with unlimited talkand text $40.00
Mobile share for iphone on 4G LTE                                              $ 45.00
Mobile protection pack - enhanced support                                   $   3.00
Mobile Insurance Premium                                                          $   6.99
Total charge for 1 phone =                                                           $88.99
Surcharges and other fees                                                           $5.02
Government Fees and Taxes                                                       $5.69
Total ohter charges and credits                                                    $10.71
Total for on phone                                                                      $99.70
On other phone have:
Mobile share for 1 plan                                                                $45.00
Ringback tone subscription                                                          $.   99
Total surcharges and other fees                                                  
Total other charges and credits                                                      $9.64
Total for other second phone                                                        $55.63
Once everything is done and said I am going to be charged $176.55 for my 2 cell phones.
Does anywone have any suggestions as to how I my change anything.
I was hurt at work and funds are extremely tight right now.
Please help
My roommate needs her phone due to her medical condition and in no way will I remove it from her
Thank you community
Any help would be appreciated
Tom

Answer 1

Yes, it does appear that you're on a shared plan. You're sharing the data.
Contact your carrier. Ask them to review your bill and see what plans might be a better value for your needs. Most carriers have analysis tools that allow them to look at your usage and figure out what plans would be better for you. Also, if you've been a customer for a long time and are out of contract, some of them will offer you special "loyalty" plans if you explain the service is too expensive and you may need to cancel. Remember, be polite to the customer service rep. It goes a long way.
Drop the insurance. Cancel the Ringback tones.