o.k after all it just was valentines day and thats my name too ;-)
So, let me post a killer link.
http://www.voipcheap.com
http://www.voipcheap.com/en/rates.html
I use them since 2 years and they have the best quality and the lowest prices I am aware off, anybody correct me if I am wrong. I tried 10 or more service providers.
Thats my valentine present for everybody. If you are smart, sign up ;-)
I used to phone a lot and I am down right now to max. 5$ a month.
But as Prohacker said it might not work for everybody.
Read the small print, You charge the account with 10$ and have 300 minutes or so every week free in the countries they mention. If you call mobile phones or other countries you pay. Make sure you charge the account again after 3 months or so otherwise the account credit becomes 0$. Read their terms for the exact time frame they currently use.
Being able to make calls does not mean somebody can call you (at least with VoIP), so you also might want to get an incoming phone number.
Best regards