I'm in the UK, and have long been a "no contract" user. I've saved literally thousands from buying the phone outright and using pay as you go variants [2]. I c

I'm in the UK, and have long been a "no contract" user. I've saved literally thousands from buying the phone outright and using pay as you go variants [2]. I currently use giffgaff, who offer "goodybags" [1] which are essentially sim-only deals that last a month for comparable or cheaper prices than contract phones. When the lockdown was announced I dropped from £12/mo to £0/mo. I have roughly £8 credit on my phone and haven't used it. [1] https://www.giffgaff.com/sim-only-plans https://www.giffgaff.com/sim-only-plans [2] most phones are cheaper to own this way, even factoring in all sorts of risk. The exceptions are phones specifically targetted to make the most of the loan setup; from experience the top of the line iPhones have always been cheaper on contract.