I only use my phone for fairly short conversations...to make arrangements to meet and the like. I replaced my cell with a prepaid cell phone. I bought a phone that was unlinked to a service from New Egg and I just buy my minutes that I use. I use between $5 and $8 per month on minutes and I own my phone. As I recall, my phone cost about $75...prorate that over just 1 year and that's $6.25 per month...so my phone costs me between about $10 to 15 per month and that goes down after the first year. Given that the cheapest per month rate is about $30 to $40 it's much cheaper this way.
There may be charges in those minutes that gets siphoned away for taxes, although that is invisible to me because I just pay a flat fee for minutes.
Question-can people call you on that cell phone that you own? Do you get a charge for calls made to you when you buy the minutes as you do?