Mick do you want the security of not running out of credit. The simple plan I mentioned above is a bill phone but not with the benefits of upgrade.
I am on €20 euro package a month, get all my vodafone to vodafone calls and texts included. 200 mins any time to other networks and 200 texts for other networks. I also have 600 webtexts of which I avail of some of. I have not gone over 30 a month in about 8 months. I am out of the country at least once a month for few days so have some roaming charges on each bill. I used to pay - 60- 70 a month.