I never buy subsidized phones as the cost and contract can run into a couple thousand in the long run. Generally, it is a lot better to just buy it up front and

I never buy subsidized phones as the cost and contract can run into a couple thousand in the long run. Generally, it is a lot better to just buy it up front and go with one of the unlimited plans that run for $50 a month. The savings are huge over time. This applies with all types of bills as well. I even pay my car insurance in full as they generally charge $5-$10 a month if you opt for the monthly payment.