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You can either pay a smaller amount each month with a plan and spiffy new phone but the monthly fee ends up to hundreds of dollars at the end of two years. Or you can spend hundreds of dollars to purchase the phone outright and have a pay as you go plan.
This is what I chose to do. I utilize T-Mobile for phone service/texting, purchase $50.00 worth of minutes per year bought my Note 2 used on Amazon, the seller even provided a new battery for the price of $400.00. Even if he hadn't a new battery is cheap on Amazon.
The phone is always with me and gets used mostly for reading and stays in airplane mode. I will have minutes left over by the time I have to buy more at the end of the period so I'll have $50.00 + worth of minutes.
For me it was an easy decision. if you look at most of these plans you are probably spending more then the full price of the phone at the end of two years. I'd rather buy one myself and own it outright.
Of course if you have to have the latest and greatest, this won't work for you.
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