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I've been using pay as you go since I first got a cell phone. I need to top it off periodically. AT&T has several options--I use the option that requires me to add $25 for 90 days of service. At lower amounts, I would need to add to the account every 30 days. Or for $100, I could get a year's worth of service. You don't need to stay with a specific option; you can add whenever you like and get however many days of service from that point.
AT&T will roll over unused amounts up to $500--and yes, I have come close to this plateau a couple of times. I periodically text money to the Red Cross and other charities that are set up for such donations to lower my balance.
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