Another Option: Prepaid Cell Phone Plans

When I signed up for a new two-year cell phone contract with Verizon, we opted against a family plan and adding another phone for another $30 a month. It's not that we don't want the extra phone for our 13-year-old, who is starting to venture out more and could use a phone to call home for a ride, or in case of emergency. But we're not in a rush to add another $30 to our phone bill if the extra phone doesn't get daily use.

I'm checking out another option for our teen: Pre-paid cell phone plans. These plans, which basically require you to pay for minutes up front but do not demand you sign a one- or two-year contract, have gotten better lately. (For an overview, check out this Cnet guide.) But if you're not careful, you could end up paying more than you would with a family plan.

That's the way Verizon Wireless has its pre-paid plans configured—costing upwards of $30 to $70 a month, plus the cost of a phone. When you upgrade to a family plan when renewing a two-year contract you can count on getting a free phone.

But other major carriers offer pre-paid calling plans starting at lower fees:

T-Mobile ToGo: Offers plans starting at 10 cents a minute for prepaid totals, such as $10 for 30 minutes for 30 days and $25 for 130 minutes for 90 days.

Cingular GoPhone: Options include 10 cents a minute plus $1 access fee for every day you use the phone, and a 25-cents-per-minute plan with no access fees.

I'm up for trying one of these plans with no long-term commitment and see how much we use the extra phone. Has anyone tried a pre-paid plan for a teenager in your house, or for yourself? Let us know how it worked out.