HeyCori,
I'm on AT&T as well for over 2 years my N920 contract is over and my monthly bill runs about $80 per month after a 20% discount, but I have Nation 450 with rollover, I now have 4000 rollover minute lol, and the only other thing I have is a 5GB DataPro plan which I need to tether my laptops when away from home and that plan does not allow texting, which I hardly ever do and if I do I use a app to do it with and I do not think I've sent 10 text messages since I've owned the phone either. And to make matters worse the DataPro plan does not rollover any unused GB into the next month.
How did you shave your plan when your contract was over. And the next phone I get I'm considering just buying a unlocked phone but do not know if I can really save money since I need the ability to tether a lot.