SweetJane, I use skype to talk to my best friend in Afganistan. Once you down load the software and set up an account you can acces it from any computer tied to the WEB. It is free if you are calling another person with a Skype account (so set the family up). If you are not calling another Skype account, you can dial from a phone number within the county you are calling and yes get the cost down to .02/min. You do need to carry a headset and mike, or combo unit, but I would test it from home.
If you want to try, let me know and I will give you my skype name and we can talk, You can also "chat" and leave a message for so and so to call you back at a certain time. It takes a little getting used to, because there is a slight delay, but it's not bad. That also depends on where you are calling. My buddy is on a Satellite link with a narrow band width, but it's pretty good and cost zero.