Not sure if everyone already know this (since it's a no brainer). But it's easy to use your axim to get free ringtones to your phone. Just download ringtones to your computer, activesync it into your axim. And just copy and paste it into your bluetooth manager into your phone. Of course you need a BT enabled phone though, and if u have unlimited GPRS, it's kinda pointless.
An easy site I use is:
http://ringtones.2loop.com cause it gives you a download link for it right away without registering for anything.