When do you get charge the iphone rate plan?

Does anyone know when you get charge the date plan for the iphone?
I am wondering because I want to get an iphone 3G S but I have two ways of doing it.
1) use my mother's upgrade option to get one
or
2) get a second line on my family plan and then cancel one of the other lines already on my plan.
(I dont want to pay 30 dollars for the original line and then another 30 dollars once I begin using my the iphone on my phone line)

Restoring from a backup will transfer these informations, check these articles:
iTunes: About iOS backups
iCloud: Backup and restore overview

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