what phone do you have? when i bought my phone i bought the mp3 kit (comes with headphones and the cord to connect to pc) and then i downloaded bitpim. i can make my own ringtones from mp3's. very easy and sound a hell of alot better than most tones you get on sites like 3gforfree and phonezoo.
and is phonezoo.com 100% free, with absolutely no hidden charges or any thing like that??? because i've been to some websites that charge me 10$ a month, but said it was free.
I use myxer.com , you just have to save them to your computer, then send them to your phone through a email and you'll recieve them as picture messages.