Phone Uploader (http://www.phoneuploader.stellernet.com/) is a free service which allows you to send ringtones, wallpapers, Java applets and other stuff (http://www.phoneuploader.stellernet.com/formats.php) to your cell phone - for free. All you have to do is upload your file to Phone Uploader, which then in turn sends an SMS to your cell phone with the appropriate download URL.

Digging a little further, I found out that the SMS includes a jump code to this page (http://www.phoneuploader.stellernet.com/jump.php). If you type in any number, you can download anything others have uploaded before. Keep this in mind when you upload your personal pics of your girlfriend next time.