It's different for everyone.

fraidycat - my mom has figured out how to use the basic functions of a cell phone. Yet, when she went to make a resume for the first time in over 20 years..... she hand-wrote it. And photocopied it. She was comfortable with the phone, but not with a typing program. Do you have any friends or family around who have more hi-tech phones? If so, you could always ask them if you could play around on theirs for a bit when you're together so you could see if you could figure it out! At the same time though, if you don't have a desire to update to one then why on earth waste the money?! haha.