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I was quite surprised at how many people were surprised I bought my N5 outright last year, but I now pay nearly a third for a SIM only plan than others are paying for their smartphone plans.

Have converted a few people to that mindset - but (let's ignore the point about if you don't have much cash, locking yourself into a long term phone contract isn't smart, people will do it anyway), it is easier for people who live month to month to have it bundled like that, it's a bit like buying a sofa from DFS on credit...



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