Thanks for the thoughts Jim, no it wasn't rambling - you covered alot of very valid points and I appreciate it!
Since we live out in "the sticks", calling anywhere further than 11 miles is considered long distance...sheesh!
I guess I'll leave the phone cards in mint (unused) condition unless I have a true emergency. Then I will use the $25 cards I have and leave the $5 cards alone.
You're right that the saving-grace is we have cell phones with a really great calling plan - we have yet to use all of our monthly minutes!
Much thanks again Jim!

Tammy