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T-Mobile Pay As You Go is the perfect plan for someone who uses their cell-phone seldom, makes mainly brief 1-5 minute calls or has it only for emergencies. I get 1000 minutes which stay good for a year for $100 plus state tax. No other fees at all! I never use them all up, and if I buy another 1000 minutes before 365 days, the remaining minutes roll over. Another bonus is this works with a large number of unlocked cell phones, so when you get a new phone you just take the SIM card from old phone and put it in the new one. This has saved me hundreds of dollars over the past 3+ years. Obviously this plan isn't for everyone, but if you are looking to cut costs and don't spend much time on your cell, then it is worth looking in to.