A method for a user to manage calls includes provisioning the user with mobile minutes for calls within the same provider and usage minutes for usage calls. Upon a call between the user and another user it is determined whether the users have the same provider. The call is a mobile call within the same provider if the users have the same provider and is a usage call if the users have different providers. The call is completed if the call is a mobile call within the same provider and if the user has unlimited mobile minutes. If the call is a mobile call within the same provider and if the user has limited mobile minutes and if the some of the mobile minutes remain, then the user is advised accordingly. The call is a usage call if no mobile minutes remain regardless if the call is a mobile call within the same provider. The user is advised accordingly if the call is a usage call.