Wife and I are now on prepaid Virgin Mobile service.
We pay $100.00 per year upfront.
If we get chatty, we can go online and add more on our accounts.
On the other hand, my wife hasn't used her hundred dollars the last couple of years so Virgin allows you to carry the balance to the new year if you top up the new hundred by the anniversary date.

Our Internet/cable tv/home phone add $158.00 per month.....and we feel that is expensive.