Whats the Cheapest Way to Call to the Philippines? Is VOIP Cheaper?

I wanted to find out from people who make a lot of internation calls what the cheapest method is to do this? i mean, my girl is in the philippines and im just dialing my regular number and sometimes my phone bill is like 0-0. its way too much. some people recommended i get a VOIP line instead of my phone and itll be cheaper. and other people are saying skype. i dont want her to have to download anything though. and skype you have to talk computer to computer right? i need something that can go through my regular phone because her computer hasnt worked lately, thats the whole reason my bill was so much. she had no email, instant messaging or anything so i was calling all the time, so thats why its so expensive. i need something to make the calls cheaper and VOIP sounds the best so far. anybody know about it? anybody make international calls a lot, have a similar situation to mine?