Whether you go for a contact or not will depend on your personal circumstances. My wife has such an outdated phone but she’s perfectly happy with it because she only uses it for occasional calls and texting. As my wife can’t be bothered about monthly contacts and new phones she has a pay as you go phone (PAYG). I on the other hand have a monthly contract mobile phone because I like the latest smartphone in order to receive emails and access social media sites.

When choosing a phone think about what you need it for and this will dictate whether or not you choose a cheap monthly contact, pay as you go or SIM only.

Summary

	Monthly Contract	Pay As You Go	Sim Only
Do I get a free phone?
Can I receive inclusive calls and texts?
Will I need a credit check?
How long is the contract?	Usually 12, 18, or 24 months	You pay for what you use so you don’t have a contract	Rolling 30 day contract
Do I need to pay a monthly line rental?
What type of phone user will this deal be best for?	* Frequently text and call * Would like new phone * Want latest phone	* Don’t use phone that often or only need it for emergencies * I don’t want a contract * My credit rating is not so great at the moment	* happy with my existing phone * don’t want long contract * I make lots of calls and texts * my credit rating has a bit to be desired