I use Verizon Pre-Paid service. It works out perfectly for me; no monthly bill and I don't have to worry about huge service charges ( I sound like a commercial!). I am not a heavy cell phone user ( I think they are tacky) but I carry one and will converse on it occasionally. But never driving, walking, or in a store. My phone cost $100, with a $50 rebate. I buy the $25 phone cards (which get me about 70 minutes). Good luck!
"It's hard to a diamond in a rhinestone world" -Dolly Parton