Northerner - try using Chikka - www.chikka.com for texts. MUCH cheaper, free from PC, and dirt cheap from mobile - works both ways.

Rebtel (www.rebtel.com) is good for voice, although it seems that most of the VOIP services have suffered some degradation over the last few months. It also gives you an online call register which is easy to include in Visa applictions Just make sure you print it every 90 days or older entries disappear