Should You Choose a Monthly or PAYG Phone Contract?

Consider several factors...
(Pixabay photo)

Many people these days are reliant on their mobile phones, with many turning to them for all sorts of things. Today’s smartphones are like mini-computers, as they have all sorts of capabilities and high-tech features. There are always new and improved models hitting the market from well-known tech giants and choosing which one to invest in can be a challenge.

In addition to this, some people struggle when it comes to deciding whether to opt for a monthly or PAYG contract with their mobile phone. Well, you have to take a variety of factors into consideration to determine which of these two options you should go for. You can then decide whether or not you should sign up to a lengthy contract or whether the freedom and flexibility of PAYG is the right option for you.

 

What Do You Use the Phone For?

One of the key things you have to think about when making your decision is what you will use the phone for. Some people only use their phones occasionally for the odd call, text, or for an emergency. Others spend their spare time glued to their handsets doing all sorts over the course of the day. The way in which you use your phone will play a big part in your decision.

If you only use your phone occasionally, there is no point signing up to a contract that comes with loads of minutes, texts, and data. This will end up costing you a hefty amount each month and you will simply be wasting all the inclusive minutes, texts, and data you received. You will find it much cheaper to purchase a phone and opt for PAYG.

If, on the other hand, you use for phone for streaming content, social media, getting online while out and about, gaming, and other activities such as this, you will be better off with a contract. Not only will you be able to afford a higher-spec phone to enjoy all of these activities, but you can also benefit from generous allowances included as part of the contract.

 

Taking Your Budget into Consideration

Another thing you have to do is take your budget into consideration. You can get some great deals on contract phones these days, so even if you cannot afford to spend a huge amount each month you can still get a decent phone with generous allowances on contract. It is important to work out the maximum you can afford to spend before you sign up to a contract, otherwise, you may end up stuck with unaffordable payments for two years or more. Also, make sure you consider the length of the contract, as this will enable you to determine how much you will be paying overall.

Making sure you consider your phone usage and your budget will make it easier for you to choose the option that is right for you when it comes to selecting between a PAYG phone or a monthly contract.


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