Why I Don't Buy Mobile Phones On a Monthly Contract

Why I Don't Buy Mobile Phones On a Monthly Contract

I explain why I prefer to buy my phones outright on a sim-free basis than paying for a monthly contract for the phone.

I’d love to hear your thoughts on this so please leave a comment below. As always, if you enjoyed the video, please click like, share, and subscribe 🙂

Thanks guys.


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  1. Chucky666 on June 15, 2022 at 10:02 pm

    My 2 year contract is going to end soon & I’m going to be switching to sim only, as i am more than happy with the phone i got right now & i don’t want to keep getting a new phone every 2 years just for the sake of it, as I’ve been doing my homework on it & asking myself weather it’s worth having the 2 years contract & doing the maths on how much i was paying & comparing to the recommended retail price from the manufacturer, I was paying £615 on top of the RRP, basically i could have bought 3 handsets for the total price of a 24 months contract, I think the 12, 18 or 24 months is a scam when you scratch under the surface, but it’s an easy way for phone manufacturers and network providers to sell their products, each to their own

  2. Lee Mason on June 15, 2022 at 10:03 pm

    Great timing for this video to pop up. I’ve had my iPhone X for 2 years now and make my final payment at the end of the month. My provider is contacting me to upgrade but not interested. More than happy with the phone and will save £40.00 a month which is better in my bank. Just gonna stick with sim only and if I want to upgrade in future I will just save up for it.

  3. Kenny Shrimpton on June 15, 2022 at 10:03 pm

    on my last phone i was on a pay per month basis via Samsung financing though I think it was still a pretty good deal, I bought a refurbished and unlocked phone on Samsung a S9 for just about less than 400 and then traded that in to get 400 off for the note 10 + which i think at the time was 1200 for the 256 variant, which I thought was a pretty good deal, because i didn’t pay full price for the S9 and was still able to knock off 400 off the note and then paid about 33 per month. I only took just about a year to pay that off instead of drawing it out for months, I don’t really like having to think about paying for a phone for 2 years, if I’m going to do a pay later type thing I’d want to pay it off before it needs to be and only would agree to the contract if it was a good deal, I’m learning more about these actually and I just bought an Iphone this year but decided to just pay the full price outright instead of doing the hassle of doing the month to month contract because for me there’s just less hassle or worriyng about paying money you owe or oweing money to a company or someone and them having the legal right to add on extra fees if you don’t abide to your contract.

  4. Cliff Carr on June 15, 2022 at 10:05 pm

    Hi Kev, thanks for the video, I agree totally. Mobile phones to me are a very personal thing, as much as say buying any thing else, and this advice is quite valuable. I have a SG8, still mint condition, and does me more than enough.I am going sim card only contract, that knocks off 50% off my bill compared, if I was going to contract to say a newer and better phone ie SG10 for eg. I will keep this phone for 2 years, save £480.00, which I can happily buy a new decent phone with that, or at least its going to pay for a big chunk of it. Also another note is, people are also paying phone insurance to go with it, but if they have home insurance, they should check their policy and they may find their phone is covered , mine is, on Direct Line.

  5. Pete Saxty on June 15, 2022 at 10:07 pm

    Have to be careful with Virgin. Their default contract is 3 years, not 2 I believe or at least their brilliant deals look low as monthly cost is low but is over 3 years. My Dad paid way over odds for 8 plus. As it was 3 years. Next time around bought phone outright, then sim only and PAC code to move number across.

  6. Sacred Clown on June 15, 2022 at 10:08 pm

    Great content, what was better is your Scottish accent!!! lm ready to go into battle!!! and "pick a fight" lol with my provider!! I took your advice I now get 500 gigs a month max speed $36 a month, (20 Euros) with Vodafone, no contract, no exit fees so thankyou

  7. Flash on June 15, 2022 at 10:11 pm
  8. LordBushmills on June 15, 2022 at 10:11 pm

    I buy directly from Apple using their interest free credit plus a sim only deal. Cheaper and more flexible!

  9. N L on June 15, 2022 at 10:11 pm

    so happy I dont use phones

  10. Josiah Clelland on June 15, 2022 at 10:12 pm

    great video thanks!

  11. You can eat in class!! on June 15, 2022 at 10:12 pm

    I always go sim only and buy my phone outright. As a rule of life, paying things in instalments is basically always more expensive than outright

  12. Fairy Dust on June 15, 2022 at 10:13 pm

    Great Video! Thanks 🙂 But if not using Amazon.co.uk – what is the Amazon Etlay ??? Or Im hearing it incorrectly? If so whats the other Amzon site name thats cheaper than Amazon.co.uk??

  13. Stephen Ryan on June 15, 2022 at 10:13 pm

    I have a Google Pixel 4 XL on contract and it’s totally unlocked.

  14. Servant Status Ministries on June 15, 2022 at 10:14 pm

    And then may I add, buy a phone that is a year or two old if it’s iPhone because iOS supports phones 5-6 years old so you would get major discounts by buying an older iPhone out right

  15. Marco Marcello on June 15, 2022 at 10:15 pm

    Great video, thanks. Never paying through the nose!

  16. Ben Crawshaw on June 15, 2022 at 10:18 pm

    I had an EE pay as you go phone and they have tried to say I owe them money for a contract.

  17. Pete Saxty on June 15, 2022 at 10:21 pm

    The other issue, is a lot of people who started having mobiles in 2000s, were used to their phones being subsidised by their contract. So conditioned into buying phones that way. Obvs present day, very rare that a phone is subsidised. I went back to contract recently, ends, Nov. That was because unlimited data on EE. I needed EE for coverage reasons, 800Mhz at 1 location. Once split cost of phone over 24 months. I was paying £22 a month for unlimited data. With price increases that is now £24.25. A sim only from EE for the same was and still is £35 a month. I believe those can increase over contract as well so would £36.50 by now as well. I have not been able to find a similar deal since. Looks like going back to SIM only after the end of this contract.

  18. bubblegum crisis1394 on June 15, 2022 at 10:21 pm

    Great video buddy, my contract is just finishing.
    I’m not going contract

  19. Sarah on June 15, 2022 at 10:22 pm

    How do you get a phone on contact?

  20. cefnonn on June 15, 2022 at 10:25 pm

    Thanks for making and uploading. Lots of good sense in your video.

  21. exploring life on June 15, 2022 at 10:26 pm

    What happens if u don’t pay mobile contact after the first month

  22. HMHS Britanic on June 15, 2022 at 10:28 pm

    Thats why I use EE pay as you go


  23. The Bugas Project on June 15, 2022 at 10:28 pm

    It would depends on which country you are. Here in the Philippines, it is actually cheaper. Let me get some numbers.

    Iphone 11 Pro Max cost PhP 82,990
    Globe Contract monthly Php 2000 for 2 years where cash out is Php 52,800 split into 24 months which is 2,200.

    The difference between the sim only and with phone is Php 500 times 24 months is Php 12,000

    With the phone cash out, Php 52,800 plus Php 12,000 equals to 64,800 which is almost Php 20,000 less when you get it unlocked. Iphone prices here in the Philippines stay much the same the whole year.

  24. Diane Harrison on June 15, 2022 at 10:28 pm

    Prices on contracts are crazy now

  25. RM 713 on June 15, 2022 at 10:30 pm

    I tried having a phone pay as you go and put money on it and by the time I wanted to make a phone call most of the credit had gone from it taking unsolicited incoming calls that took away the credit. I just don’t understand how people put up with this.

  26. RedLadyBug 91 on June 15, 2022 at 10:31 pm

    I’ve been buying my phones out right for years but I’m only on a pay as you go sim. So I would like to change to sim only contract as it looks cheaper then monthly contact

  27. Elizabeth A.A on June 15, 2022 at 10:31 pm

    He helped pay off my phone bills for FREE and got me a few iPhones on my Verizon account. Exclusively for Verizon, AT&T and Sprint wireless. A friend recommended Stark Brian services! Text him on Whatsapp +1(201)201-1042 starkbrian5@gmailcom or IG @starksolutions4. It was worth it.

  28. Complex Ez on June 15, 2022 at 10:32 pm

    This is why I use TracFone

  29. Aaron Mullins on June 15, 2022 at 10:32 pm

    35 pound unlimited data,unlimited called,unlimited text(Tesco mobile)sim only monthly roll on,I live it,I can change anytime if I want.

  30. Dean Unknown on June 15, 2022 at 10:33 pm

    Contracts are getting higher and higher, for the latest flagship phones £95 a month for example Galaxy S21 ultra, or the fold 3, latest iPhone so by the end of 24 months it will end up £2200, so basically in the next 10 years these networks will end up doing 36 month contracts at £200 a month. and the biggest things with phones the price depreciates straight away, i have a Samsung galaxy s10 plus 16 months ago it was a £1400 phone now it’s worth barely £150 to 200, and the next 12 months it will be worth £80 so by the end of the contract your phone becomes peanuts prices

  31. KoopaPlays on June 15, 2022 at 10:36 pm

    This is why I strongly dislike phones, they get all washed up in this contract crap. The device is so tethered to a membership. It’s just like how people used to just fully own a video game now you’re paying for access to an online license.

  32. quartz 369 on June 15, 2022 at 10:36 pm

    contracts tend to be cheaper than buying the phone and the data seperately, if you don’t care about having data then it’s not a fair comparison as the major networks are giving you data too

  33. SINISTER on June 15, 2022 at 10:40 pm

    Paying isn’t worth it, I downloaded my new iPhone XS Max on torrent🤷‍♂️

  34. Ink Bubbles on June 15, 2022 at 10:40 pm


  35. Artem Lobov on June 15, 2022 at 10:44 pm

    I bought a used iphone 6S 64GB for £85, and pay £12 a month.

  36. TgN - Content And Other Stuff on June 15, 2022 at 10:44 pm

    After the 24 month contract can you use the phone without paying monthly

  37. TinyTroglodyte on June 15, 2022 at 10:45 pm

    I actually got a better deal by getting a deal with a phone as well. There was a deal for £4 extra a month for 100GB of data, which is nice. Plus unlocking the device doesn’t take too long normally. But after the deal was over it was a terrible price compared to sim only.

  38. 12 Hornet's on June 15, 2022 at 10:45 pm

    Hi Kevin, I bought a "Huawei mate 10 pro" on a 2 year contract at £47:80 a month which works out about £1147, My contract is up next month on January, Could you give any advice on what to do as I wouldn’t mind keeping it on a SIM free deal?!, Excellent video too by the way…

  39. Sulaman on June 15, 2022 at 10:46 pm

    I brought my s9 when it came out since my s5 died I buy phones full price that can last me a good 3 to 5 years

  40. craigr98 on June 15, 2022 at 10:46 pm

    Yes but sim only contracts are still a year and realistically how often are you gonna change your phone? Possibly every year?

  41. hobi day on June 15, 2022 at 10:47 pm

    I’m confused ur paying £15 a month so if you calculate it for 2 years (to compare it to a deal) it’s £360 so £360 plus how much you bought the phone for up front. Isn’t that a lot. Or am I calculating this wrong

  42. Englandsbestlover on June 15, 2022 at 10:48 pm

    I bought an iPhone 6s 2 years ago for £160 and I pay £7:50 a month sim only.

  43. Joel Howley on June 15, 2022 at 10:48 pm

    Thanks very much

  44. Diane Harrison on June 15, 2022 at 10:50 pm

    Its hard for people who cant buy the phone i understand,but i ve paid my s10 off monthly over a year,and got £20 sim only (100gb,data,unlimited calls,texts) from o2, but if i d got a contract I d have probably paid £50/60 over 2 or 3 years,it sure adds up.

  45. Zeynep Ela on June 15, 2022 at 10:51 pm

    Quite helpful, thanks for this!

  46. Sean Oliver on June 15, 2022 at 10:51 pm

    Reality check 15 years later.
    I will definitely be taking this advice.

  47. Pineapple road on June 15, 2022 at 10:51 pm

    I recently got an iPhone (brand new) and I bought it directly from apple
    and I am on O2 pay as you go (on the £10 tariff which gives me unlimited calls and texts, and 6GB of data)

    And as my mum was in need of a new phone (her old one is a relatively modern flip phone) she now has an iPhone as well (her phone was also bought directly from apple)
    She has just moved across onto O2 pay as you go (she has the £5 tariff, which is just calls and texts, and I’ve turned data off on her phone so that she doesn’t get charged for data)

  48. Miss Caramel on June 15, 2022 at 10:54 pm

    Can’t Offord to pay for a phone up front so contract is better for me as I want a better phone

  49. WANNTEDD135 on June 15, 2022 at 10:57 pm

    I only do sim contracts. Prefer it more.

  50. JammyRDR2 on June 15, 2022 at 10:59 pm

    If you buy a phone from Apple on a contract and pay off the full price, will you have to repeat the cycle of payments or will you no longer have to pay? 🙂

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