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If you can't afford an off-contract phone, you really can't afford an on-contract phone. You just don't know it yet ... ;-)

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It's not that different than contracting a mortgage of asking for a lease to pay a car...

Maybe it's not a matter of "affording" the same way most people cannot afford to pay for a house on the spot, but I can understand that some people prefer to pay ultimately more money, but a much smaller sum over time.

If your credit is good enough for a phone contract it's probably also good enough for a credit card that could buy the phone outright.

it's too much thinking to realize that

Isn't it more about the instant gratification part of the whole deal? People usually think it's easier/better/nicer to receive what they want and pay over time rather than to save the money and buy it at a later date. Or am I just wrong?

in Albania people buy a 700$ phone when they have a salary of 300$/month so i don't know what to believe anymore

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