I have a home phone and a cell phone.
1) Home phone - Home phone is covered in the rent. I can make only local free calls. Outside numbers I use a 99cent calling card. It gives me 1 minute/cent.
2) Cell phone - I have a pre-paid phone plan. My phone costs $15 (from Walmart). I pay $38/month for 300 minutes and never go above limit. I don't get a call when there is no money in my account. When I need to use phone to chat with someone, I call them only on weekends. I have $5 unlimited texting plan included in the bundle.