If you want to save up to 98% on your phone bill, here is one service that offers free calls to over 50 countries and free text messages worldwide.

Jaxtr allows its users to enjoy the cost savings of VoIP (Voice over Internet Protocol) from the convenience of any phone. The process is simple. Jaxtr links your phone to the web so you can hear from callers worldwide while keeping your phone number private. Its PrivacyShield automatically routes calls to voicemail. You will have complete control on which friend you want to ring to through your phone. No need for a headset.

The service is free. Jaxtr offers free calls to over 50 supported countries and free SMS or text messages for Premium members.

Here is how to make free calls to Jaxtr supported countries. Visit Jaxtr and do the following:

• Call your local jaxtr number and then input your friend’s number.
• Choose “FreeConnect” from the options.
• Stay on the phone and wait for your friend to call in. Jaxtr texts your friend an SMS notification with a local number to call in and get connected to you while you wait.

If you are a registered member, use the FreeConnect option by pressing “0″ and then “2″ after you hear the voice prompt when you call. If you are not a registered member, FreeConnect is automatically chosen for you.

Note that if your friend does not receive jaxtr’s SMS notification, then you will need to inform your friend by other means (such as email, IM, or a direct call) of the local number to call to get connected to you. Jaxtr will not charge for this service, but your phone company’s normal charges still apply.

Premium members get free global SMS (text) messages. Registration is required to avail of this free text messaging service.

ChatToText unveils another tech innovation that will give ordinary folks and businesses a much better choice in which they can communicate with family, friends and customers. The application allows anyone to chat back and forth through text messaging from any computer, website, social networking sites, blogs and more to come.

Businesses can take advantage of ChatToText application called LiveChat in the business website wherein customers can ask questions.

ChatToText brings social networking and texting together as it allows anyone to chat with you from virtually anywhere on the internet and straight to your cellphone. You can turn on or off your chat window anyway you want it or you can set a schedule of your chat availability. You can also save your chat history or customize your chat window with your photo or short introduction message.

This service is cool, however, it’s not free. Interested folks who want to avail of this service will have it for a cool $5.99 per month for an unlimited text chatting. Businesses pay one cent more per month.

Sending SMS or text message is expensive, but if you want to get a free service wherein you do not have to pay a single cent try OnlineTextMessage.com.

With OnlineTextMessage.com, sending SMS or text messages has gone even better. The service allows one to send free text messages to anyone with a SMS or text message enabled mobile phone as long as you have access to the internet. They support major carriers like Verizon, AT&T, Cingular, T-Mobile and much more.

All you need to do is go to their website and fill out the information required to send your free SMS or text message. Once there start entering the mobile phone number, your email address, the subject of your message, the mobile carrier, your message, hit send and you’re done.

Be careful. Forget it if you don’t feel comfortable using the service.