Unexpectedly large mobile phone bills are annoying and can have financial repercussions that lead to more serious cash flow issues.
Fortunately for the cash-strapped a new budget telco is using its low-cost structure to challenge the big players by offering mobile phone packages for less than $20 a month.
Amaysim targets low and medium volume mobile users who don't want the inconvenience of a big bill.
For $19.90 a month the firm offers $19.90 of value.
It may not sound like much, but with call costs at nine cents a minute and no flagfall, many could make due with the plan.
Texts are also nine cents each and the package includes 500 megabits of data.
It compares favourably with some of the bigger mobile phone service providers who can charge almost $1 per minute and have flag fall rates between 25 and 40 cents.
While youngsters who are glued to the their phones may find the data and talk time insufficient the package is aimed at low to medium users and could be a good alternative for pensioners and retirees.
However, unlike many other carriers Amaysin do not sell phones, so subscribers will need to provide their own.
Technology expert Trevor Long said this makes the Amaysim plan an attractive offer for those who have come off a contract with another telco and have their own phone.
"Anyone that's off contract and you've got a phone that works these are the kind of plans you should jump at," he said.
"If you don't like it after a month you can go back to a big carrier and remember you can take your phone number with you."