5th July 2020

These posts were originally posted on the MoneySavingForums (a UK money management site), I am moving my journals across to WordPress to have them in chronological order. I’m not sure how much of other people’s words I’m allowed to copy across from one site to another, so in some sections I may summarise conversations.

I found out recently that my phone’s device plan is almost paid off, but the backward compatibility issues aren’t too bad yet, so I’m going to try hold off for a year, put aside the money I was previously paying for this phone, and in a year’s time walk into the store with a nice chunky deposit to bring the monthly costs down
Next month is the last payment apparently…   Maybe technically this month because of the way the direct Debit dates fall
I’m currently paying £31 pm for the phone alone (I like my shinies…) so in a years time I would have £372 as a deposit, assuming it all went smoothly (famous last words)
Apparently this phone cost me £744 when I signed up so that’s over 50% deposit if I buy in the same price range again
I don’t want the money to slip into my regular budget because I’ll need it back in a year and I need to remember I cant commit that money long term 

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