I have a fear of letting services run that might cost me money if i'm not careful.

Right now I've got the Fair and Flexible for the phone ($50/800min - unlimited roaming, mobile to mobile, night/weekend starting at 7pm), and the Power Vision acct ($20).

Right there is something close to $80/mo after insurance, taxes, etc.

Text Messaging via SMS would run another $15 for unlimited.

Whose paying for what? What's worth paying for to make the most out of our phones?