Your title for this thread is dishonest... you say "phone vs husband", and I expected that it would be a story about how you talked too much to your girlfriends or your family on the phone, and that it annoyed your husband.

The fact is, it's not phone versus husband, it's "other man versus husband." You say your husband is trying to show you how much he loves you, but it's "too little"...do you realise how lucky you are that he's trying to show you love? A lot of men in his position would be laying down the law and yelling their heads off. Already your husband is coming out of this looking not just like the innocent and injured party, but also as the kind hearted husband who is willing to forgive. How rare is that?

I really would think twice about getting together with a man who has little moral sense (he's carrying on a phone affair with a woman he knows to be married) when you could be with a man who loves and is willing to forgive. Who do you think is a better role model as a father? A would be adulterer, or the man you married... who, presumably, at the time you loved.

You need to go into counselling, and give up the idea that a frankly seedy affair would give you happiness.