right, i have an old mobile, contract is well overdue. the phone is pretty lame, and i have wanted an iphone for a while now. the new 4s is here and i have decided i want one.

at the moment i am paying around £30 a month (plus 6.99 insurance) for 100 mins and 500 texts incl 500mb data.

my actual usage can be way below this (i used 13 minutes and 180 texts in sept )

now i have a few options. upgrade to iphone, similar contract and pay around £250 for the phone.

ditch my contract and get a pay monthly sim £10 a month and buy the phone outright £500 - Ouch.

not bother with the iphone and try and get a good deal on an HTC on a new monthly tariff

i have spoken to the upgrade people at vodafone and they just dont seem as flexible as they used to be, and all iphone contracts are similar.

i cunched a few numbers (cos i have spreadsheet OCD) and over 24 months:

sim only plus phone and separate insurance £880 overall
vodafone deal £863 +insurance +data charges
tesco deal £835 +insurance

Help!