Choices, choices...

It’s that time again. My mobile phone contract is about to expire, which means I now have to decide whether to get a new phone or to keep my existing one. But since one of the button on my existing phone is less than optimal, it may appear I may get a new one towards the end of this year or at the beginning of 2007.

The next question, of course, is what to get. I’ve done a careful analysis of my current phone payments and usage patterns. Assuming an interest rate of 5.8% (the same rate as I am getting from my high-interest account), it would cost me the same amount of money if I purchase a phone outright for $453.53.

So, here are some choices:

What do you think?

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