I have a SIM only O2 contract for £19.99p/m that gives me 100mins / 400 txts free. I was wondering if I could get anything cheaper. Basically I only really SMS with v little actual calling but I do sometimes go over the 400 txts. I don't mind what provider (although most of my txting is to the wife - also on O2). Also PAYG is fine if it were more cost effective.