January is a great time to get your finances in order, and if you're looking for easy ways to save money, nothing beats jumping on a new carrier.

Many carriers are offering deals this month, with Verizon-owned Visible offering the best deals. For new members only, Visible is offering 50% off your first monthly bill with coupon "SAVE2021". (The first month is only $20). In addition, when you buy a cell phone from Visible, you get a $100 prepaid MasterCard and a free B&O Beosound speaker. This is the best deal Visible has ever seen.

For maximum savings, we recommend purchasing your smartphone directly from Visible. For example, the iPhone SE can be purchased for $16/month (24-month plan) or $384 (one-time payment). The deal includes a free $100 Mastercard gift card and a B&O Beosound Speaker. Combine

and it's a pretty amazing deal. The prepaid MasterCard Virtual Account Credit can be used for any online purchase and is essentially an electronic debit card. Meanwhile, the B&O Beosound Speaker is a portable Bluetooth speaker, usually priced at $199.

So how good is Visible itself? After the first month, you pay $40/month for an unlimited plan. (The fee includes taxes and fees). Mobile hotspot access is also included in the price, but capped at 5 Mbps; Visible's biggest trade-off is that video streaming may be limited. For more on the pros and cons of this budget carrier, see our Visible review.

Otherwise, this is a great sale for those looking to save money in the New Year.