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Your best bet is to firstly check the network sites and see what tariffs they have. Then check with the dealers (carphone warehouse, phone4u etc) as the networks sometimes allow them to offer exclusive deals.
Here is a quick calculation for you.....
Take your average top up spend and split it into two parts text and calls. Then divide these by you average call cost and text cost (per minute or per text) and that will give you what you use and therefore need from a contract.
eg. you top-up £20 per month average about say £14 on calls and £6 on text. Your average call cost is 25p per minute so you use 64 minutes a month. Your texts cost 10p so you use 60 text per month. So you need a contract that will cover that.
Also do watch out for free line rental. Ask if it is a cash back deal !!!!!!! this means that you will have to pay the full line rental every month and then claim the difference back later on. I have heard that only 55% of people actually get their money back. Not sure how true this is !!!!!!!!
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