Ting This Toronto company ditches plans altogether, and you don't have to pay ahead of time. Instead, you just carry on talking, texting and smart-phoning as you normally would. At the end of the month, your minutes, texts and data are tallied up and calculated according to Ting's Small, Medium, Large or Extra Large price guide. If your usage changes each month, so does your bill. For example, if you use 100 minutes one month and 500 minutes the next month, your bill is $3 and then $9, respectively. Or if you're an "Extra Large" user and hit the 6,000 texting max, plus the 3,000-MB data max, you'll be charged $14 for the texts and $60 for data. An app helps you figure out exactly how much you've used at any moment. Should you need more than Extra Large, overage fees are 2 cents per voice minute, $0.0025 per text and 2.25 cents per MB. Ting tosses in voicemail, tethering and hotspot features for free (although you do pay for data used). Ting, a division of Internet service Tucows, also offers family plans at $6 per device each month. Of course, if you use only 101 minutes or 500 minutes in a month, your bill is still $9, but at least Ting allows flexibility. ting.com Follow @Gadgetress This article was written by an independent contributor, separate from TheStreet's regular news coverage.