You’d never keep paying for something you’d already paid for, or would you? Actually, lots of people do continue to pay for their smartphones even after they’ve been paid off in full.

For example, you take out a contract for two years and at the end of this period you’ve paid off the cost of the handset. But, unless you change the contract, your provider will continue to charge you for the phone.

For me, it was a simple process (involving just a few clicks) to switch to a SIM only contract and save myself money. Ask yourself, do I really need the latest handset?