Don't have a phone, and/or don't want to waste air time?

Phone.com has two good emulators, v3.2x, and v4.x beta.
http://phone.com

Nokia also has a good toolkit, however it requires java to be installed
http://nokia.com

The development environment for this stuff is:
   vi
   vmware
   linux
   phone.com's 3.2 emulator