@Rapatel
Have a good look at your usage. Unless you're a big talker then youre the perfect customer for the $15/250mb (w/autopay) plan. With a few adjustments to your habits you will be able to adjust to the calling limitations and it already sounds like you have your data under control.
Make use of your current unlimited calling plan to tell your friends and family that you will have free incoming but limited outgoing calling. Ask that they call you back or after you text them. Get a calling app such as textnow (wifi calling only) or fongo that allows calling on mobile data. Use these on wifi to check your messages, make calls when you might be put on hold or for long conversations etc....
Buy yourself some insurance for your plan with the $5/500 min add on and the $15/1gb data add on. These both roll over every month until fully consumed. They are a one time upfront purchase. For example if you average 500mb of data use every 30 days the add on will add an averaged $3.75 to your $15 plan=$18.75 ($16.75 w/autopay). If you use the calling add on minutes about 125 min per 30 days that would add $1.25 to your plan = $18.75+$1.25=$20 ($18 w/autopay.)
This will save you $5 every 30 days over your current $25 plan. You will probably use much less maybe an extra 100mb of data ($1.50) and an extra 50 min ($0.50) per month. That would add an extra $2 per 30 days to the cost of your plan and equals the savings from your $2 autopay reward. A true $15 plan with autopay!
If you choose to change plans its best to schedule it to "change on next renewal" and it will automatically change at that time or you can cancel it right up until renewal ( give yourself an hour maybe if need be...) Change now is usually used to get more data from a bigger data plan right away.
