Cell phone companies often have options so that it is not always easy to determine which product is best for you. If you average 356 minutes per month in talk time, which option is the better deal - if you want to pay the least cost?

Option A includes a free phone and 300 minutes. It will cost 0.12 per minute for each minute over the plan time.Package A has a base rate of $39.95.

Option B has a phone that costs $10 and has 350 minutes of time and 0.08 per minute for each minute over the plan time. Package B has a base rate of $35.95 not including the phone.