1. I have a pre-paid cell phone . I pay $149.00 plus tax for the entire year. I live in Canada so it includes unlimited talk and text in Canada . Unlimited Text anywhere in the world . But it only has 30 G.B. of high speed data than it goes to slower speed but it still works . I also have a home phone but I got a lifetime discount from the phone company . So both my home phone and cell phone are under $40 dollars a month Canadian funds . Is your cell phone billed monthly or it is prepaid?