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Changing from NTL - Help needed!

Apologies if I haven't put this in the right place as this is the first time I've ever used a chat forum!

I currently use ntl for my home phone (talk unlimited24 - £14.50 plus £10.50 line rental per month) and for my internet (unlimited dial up - £13.49 per month). I have had major problems for the last year with their phone billing (they charge me for ALL calls) and I end up spending about 2 hours a month sorting this out and I've had enough!

After spending the last 3 hours reading various threads I was thinking of changing to Euphony for my home phone for £7.25 per month. I do have a BT line but at the moment it is just for incoming calls only and I do realise I would have to get this changed.

For the internet I have dilemma! Fast4Net unlimited dial up looks great for £6.99 per month but I would really like to upgrade to broadband. I use the internet for about 4 hours per day (sometimes more at weekends) and would like unlimited usage (I don't really download much at all though). My main problem is lack of funds so can't really afford much more each month!

Any comments or suggestions would be greatly appreciated.

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