If you’re expecting a tax refund this year, you’re probably already thinking about how to stretch those dollars as far as possible. A new survey from Metro by T-Mobile reveals you’re not alone in feeling the squeeze: millions of Americans are looking for ways to ease their monthly expenses, and your phone bill might be the perfect place to start.

The numbers paint a clear picture of financial stress across the country. One in every four adults admits they’re struggling financially, and things haven’t gotten easier—nearly 63% of people say managing their everyday expenses is harder than it was before. With tax season underway, families are being smart about their refunds, using them less for treats and more for practical needs like paying down debt and covering essential bills.

As reported by the T-Mobile prepaid brand, the company is launching a new offer designed to help families breathe easier when it comes to their wireless costs. The plan is straightforward: pay $120 upfront, and you’ll lock in six months of service at a deeply discounted rate. Specifically, new customers get Metro’s basic $40 plan for just $20 per month instead (that’s a 50% discount) with unlimited calling, texting, and data included. The best part? Taxes and fees are already built in, so there are no surprise additions when your bill comes due.

What makes this offer appealing is the predictability factor. The survey found that 44% of people would feel significantly less stressed if their monthly bills were stable and easy to predict. When you pay for six months upfront, you know exactly what you’re paying and won’t have to worry about your phone bill for the next half-year. Lifestyle expert Vivian Fabiola, who partnered with Metro on this initiative, points out that “what you see is what you pay” with no hidden charges or complicated fine print.

Beyond the cost savings, Metro customers also get access to T-Mobile Tuesdays, which offers weekly deals and perks, plus Scam Shield protection to help protect against unwanted calls and texts. The company also guarantees it won’t raise prices on your plan for at least five years, which means your monthly costs stay locked in for the long haul.

If you have a phone you want to keep using, you can bring it along to Metro—no need to buy a new device. You can sign up for this offer either online at metrobyt-mobile.com or visit a local Metro store to complete your application in person. With over half of Americans saying they find managing money stressful right now, an offer that removes one monthly bill from your worry list might be exactly what you need this tax season.