I’ve started using Actual Budget https://actualbudget.com/

Public Mobile is owned by Telus, there shouldn’t be the problems you describe. I live in the middle of nowhere with Lucky Mobile. Text and talk with no data is $15/month.

But that’s not what is normal amoung my peers. The expenses look reasonable to me, but could be optimized further. Normally, optimizing your expenses that much wouldn’t be your part time job, but with the current wage situation, that’s where we are at.