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What is the point of plans for payment of phone and other?

Most utility payment plans are a full years worth of utility bills, divided by 12. The reason being, in climates where one season is extremely hot, or extremely cold, many people simply do not/cannot budget for such a substantially large charge. By averaging the bill, the consumer knows what to expect each month and can include it in their budget. This helps keep people from having their utilities cut off due to non-payment at a time that could be deadly for them. Your loaf of bread is not ...

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