I have purposely put off joining the ranks of smartphone users because of the cost. I had a basic flip phone from a very low cost provider that was horrible, but I tolerated because I was only paying $17 and change per month for 200 minutes. The phone was on it's last legs, and the provider screwed up the renewal again, and I just couldn't take awful service anymore. I bought the Nokia Lumia 520 to use with this plan. I love it! The phone call quality is amazing! I love that I have unlimited talk and text, and 1 Gb of Data. I am frugal, and find this to be well worth the $45.00. It's very easy to use, just don't try to renew before your renewal day, or it only loads as credit, not your plan. You can also sign up to have it automatically renewed every month. I definitely recommend the Walmart Exclusive $45 plan. In fact, it is the only plan that I would recommend for a value-conscious consumer.