plan corresponding to the account being monitored is maintained at a status quo when however it is determined at step 100 that the threshold has been met processing advances to step 102 at which the processor reestablishes rates associated with the account being monitored in this regard in one embodiment of the present invention the rates suggested are only those rates associated with voice and or data usage associated with the account additionally in one variation of the present invention only those rates associated with such usages which are incurred after the threshold has been met and within the given period are adjusted alternatively the processor may be programmed so that once the threshold has been met all rates associated with voice and or data communications usage for the given period are adjusted additionally still at step 102 depending on the implementation details of the present invention and the desires of a particular service provider and or account holder agreements the rates under consideration may be adjusted upwardly once the threshold has been met or alternatively adjusted downwardly as an example assume that the type of account being monitored is a wireless communications account assume further that the account holder pays a monthly fee of u s 50 00 for the account.