Mobile contracts vs. Pay-as-you-go:

• Contracts: Typically involve a fixed monthly fee for a set amount of data, minutes, and texts, often bundled with a new phone at a subsidized cost. Contracts usually last 12-24 months.
  • Pros: Predictable monthly bill, potentially lower overall cost if you use your phone a lot, access to the latest phones.
  • Cons: Less flexibility, tied to a contract for a set period, early termination fees might apply.
    
• Pay-as-you-go (PAYG): Top up your credit and pay only for what you use. Ideal for occasional users or those who prefer flexibility.
  • Pros: No contract commitment, greater control over spending.
  • Cons: Can be more expensive in the long run if you use your phone frequently, limited access to the latest phones on offer.

Choosing the Right Plan:

Consider these factors when selecting a plan:

• Data usage: How much data do you typically use per month? “All You Can Eat” plans might be suitable for heavy users, while moderate users can opt for mid-range data allowances.
  
• Calls and texts: How often do you make calls and send texts? If you rely on calls and texts, prioritise plans with ample minutes and texts or unlimited options.

• Budget: Mobile phone bills can add up quickly. Determine your monthly spending limit and choose a plan that fits your budget comfortably.
  
• Network coverage: Check the network coverage maps of different providers to ensure good signal strength in the areas you frequent most (home, workplace). Websites of all the providers mentioned previously (EE, O2, Vodafone, Three) have coverage checker tools.