Getting a new plan and phone?

Hi im currently on Singtel Combo 2, and am planning to switch over to circles.life (due to the corporate plan and lots of data available) after my current contract ends. Does anyone have tips on how to save? My current phone is kinda sot so i would want to get a new phone! Would it be more advisable to get it via monthly instalments from circles.life? (Estimated $40-50+/month on top of the $20+/month) Or would it be better if i bought the phone from retail outlets e.g. MobileSquare etc?

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Henry Hoe Yong Zhi

07 Jun 2019

Music & Audio Technology at Singapore Polytechnic

Firstly calculate the different in monthly fees you'll be paying with a contracted plan vs a non contracted plan (no phone), and the contract is usually 2 years.

Let's say the difference is $30, multiply that by 24, that will bring it to $720 of actually "paying" for the phone of your choice. If the phone cost $1000, you save $280 by actually getting the contracted plan. However, if the telco only gives you a phone which you can purchase for $600, then it obviously isn't worth it to get the contracted plan.

The other benefit of getting the contracted plan is also that you kind of split the cost of the phone over 24 months which gives you better cashflow instead of paying the lump sum upfront.

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