Worldwide adoption of cell phones is on the rise. The accessibility and affordability of ever more powerful smartphones means that cell phones are no longer a luxury product. But you can make a smart decision by shopping for the right phone and plan to fit your budget. As Matthew Amster-Burton tells us in this post for the Mint Blog, your first choice is whether to opt for a contract or a prepaid phone. Contracts may lock you into a phone long term with large fees to opt out, but they will also save you money on the cost of the actual phone. For more information about choosing the right cell phone, read the full article here.