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super_pj
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Teacher

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13 Messages

Wed, Sep 10, 2014 2:54 AM

ATT Next Savings?

Based on the website (http://www.att.com/shop/wireless/next.html), they lay it out the payments assuming you buy a Galaxy S5 (which I assume is similar in terms of pricing to the iPhone 6). 

 

Right off the bat, you know that the 1 year plan isn't really saving you anything considering you nearly paid for more than half of the phone. Which brings me to this:

 

Doing some math and skipping the boring algebra, I came up to that doing 18 months Next Plan and using the 24month option to pay it off so that you can keep is actually the best deal! Based off of their 1 year comparisons, the 18month plan is best but who would want to give BACK the phone at this point? If you were to use the Next plan of 18months and 24months to pay it off, you would be saving yourself around $190. 

 

Here's the breakdown: 

ATT Next Savings

1 Attachment

Voyager

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3 Messages

8年前

If you upgrade after 12 months on the next-12, you don't keep the phone. Likewise with the next-18 plan. When you upgrade on those plans, you have to calculate value lost by giving up the phone.

Teacher

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14 Messages

8年前

Not even 6 gigs, I'd have to pay 40 dollars more for a SINGLE line than I currently do under the NEXT plan plus the price of the phone.  That's for 4gb of data rather than my unlimited plan I have now.  Yes if you split the cost over 2 people you'll break even, maybe even save money.  But I'll save money if I get a roommate too.  Anything is cheaper when split by two over paying for it alone.  Doesn't mean its a better idea

super_pj

Teacher

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13 Messages

8年前


@nlflint wrote:

One thing I haven't seen discussed here is that on a 2-year contract you get to keep the phone, so you can sell it. But on Next plans you trade it in and get no value for it. If it's a 2-year old iPhone that's about $250 in loss. This is why the 2-year contact always beats a Next plan.

 

There is also a mis-calculation in everyones spreadsheet. The cost of the phone on an 18-month next plan is ~$486, not $325. ($27 * 18 months)


Hi nlflint,

 

The 2 year contract is posted and indeed you can keep it and sell it. However, my original post dictates the savings if you were to keep the phone on the Next Plan hence the 12month is 20month to pay off and the 18month Next Plan is 24months to say off. Which leads me to saying again: The only time Next Plan is better than the 2 Year Contract is when you have a data plan of 10GB or more; despite how many people are on your line. 

 

Also, the miscalculation wasn't really a miscalculation. I mislabeled the row, the original data was from ATT based on 1 year. So the cost of the phone is:

 

12 month plan takes 20 months to pay off = $32.50 * 20 =  $650

18 month plan takes 24 months to pay off = $27.09 * 24 = $650.16

 

super_pj

Teacher

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13 Messages

8年前


@GLIMMERMAN76 wrote:

now how do you figure you lose the phone?  once its payed in full its yours period.  Now with next if your on the Next 12 you can get a new phone after 12 months so that means you can get a new iPhone year after year if you wanted.


Exactly! The next plan 12/18 month program is exactly like leasing a car which we all know is a lost in investment to begin with. Which is why doing the Next Plan with the intention of paying off the phone in 20/24months is the ideal plan from ATT if you have a Data Plan of 10GB or more. 

super_pj

Teacher

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13 Messages

8年前


@nlflint wrote:

If you upgrade after 12 months on the next-12, you don't keep the phone. Likewise with the next-18 plan. When you upgrade on those plans, you have to calculate value lost by giving up the phone.


Correct. However, this original post I did mentioned that  right off the bat, we all know that the 12/18month plan doesn't save you anything considering you paid off nearly the entire phone. It is exactly like leasing a car if you do the 12/18month plan. 

 

However, with the intentions of paying off the phone with the 20/24month option you will be saving only when you have a Data Plan larger than 10GB.

super_pj

Teacher

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13 Messages

8年前


@nathaniel.byers wrote:

Not even 6 gigs, I'd have to pay 40 dollars more for a SINGLE line than I currently do under the NEXT plan plus the price of the phone.  That's for 4gb of data rather than my unlimited plan I have now.  Yes if you split the cost over 2 people you'll break even, maybe even save money.  But I'll save money if I get a roommate too.  Anything is cheaper when split by two over paying for it alone.  Doesn't mean its a better idea


I've mentioned a few times in past post that having unlimited data is the better option over 2 Years or Next Plan. 

 

You're correct in the aspect of that you'll save money by cutting costs by having more people on your line. But look at it like this if you were to have a single line on your account: 

 

Two Year Contract

Data Plan of 2GB = $40 / Access Charge = $40 / Phone Costs: $240 with activation

2 Year Costs: ($40 + $40) * 24 + $240 = $2160

 

Next Plan

Data Plan of 2GB = $40 / Access Charge = $25 / Phone Costs: $27.09 on 24 month payments

2 Year Costs: ($40 + $25 + $27.09) * 24 = $2210.16 

 

As you can see, even on a single line for your account you will save ($50 x how many people on your plan) over 2 Years if you do the Two Year Contract instead of the Next Plan. As I stated before:

 

If your Data Plan is 10GB or more: Next Plan

If your Data Plan is 6GB or less: 2 Year Contract

 

 

Voyager

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3 Messages

8年前

I see what you are saying, and I agree.

 

In my head I keep comparing these plans to my grandfathered unlimited plan. I'm always keeping my eyes open when new plans come out to see if they are a better deal than my unlimited plan. So far nothing.

 

My wife and I both have grandfathered unlimited plans, and by my numbers we doing a little bit better than Next-18 @10GB after 2 years.

akoxeno

Scholar

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147 Messages

8年前

Is it not that case, if that one can take advantage of the Next promos that the outcomes tilts in favor of Next? For example, one can get $200 for turning in an iP4 - $300 for iP5s - and save $200 on the purchase of an iPad.

Tutor

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8 Messages

8年前

So what happened after you pay the full price of the iPhone on Next? Do we have to return it or we owe it out right at that time?

Regards,
Simon Elias
super_pj

Teacher

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13 Messages

8年前


@simonelias wrote:
So what happened after you pay the full price of the iPhone on Next? Do we have to return it or we owe it out right at that time?

Regards,
Simon Elias

Hi Simon,

 

While on the Next Plan, you have the option of 12/18 months and returning it for a new phone. However, doing the 20/24 month payment option, respectively, will let you own the phone after the payments are completed. 

 

So to answer your question, paying for the iPhone upfront on the Next Plan will let you keep the iPhone and lower your bill by $32 or $27 dollars depending on the Next Plan you chose since now you will not have the monthly installment for the iPhone. 

Tutor

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8 Messages

8年前

Great, that is what I thought. thx

Regards,
Simon Elias

Tutor

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8 Messages

8年前

Super PJ - so you need to use $650 in your spreadsheet for the smart phone costs.  Doesnt this negate most of the savings?

GLIMMERMAN76

ACE - Expert

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23.4K Messages

8年前

as long as the phone is paid in full its your no matter if your on next 12/18/24  you can pay for the phone in full and keep it.

Tutor

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8 Messages

8年前

What it comes down to, is that we are used to ATT subsidizing the phone purchase, by us signing a 2 year contract.  Now you must buy the phone and agree to the 2 year contract (or 2+ year) installment plan to get the phone. 

 

If the consumer has to pay full price for the phone, then they shouldnt be required to be in a contract. 

 

And with AT&T poor customer service, it really doesnt make sense to pay the premium for AT&T contracts.

cousintim

Professor

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1.7K Messages

8年前


@torrent wrote:

we are used to ATT subsidizing the phone purchase, by us signing a 2 year contract.  Now you must buy the phone and agree to the 2 year contract (or 2+ year) installment plan to get the phone.  


AT&T still subsidizes two-year agreements and there is no "must."  A customer can freely choose a traditional or Next agreement.

 

I'm not a fan of Next agreements, but for those who want to upgrade more frequently than bi-annually and/or do not receive a material Premier discount, Next can be appealing.

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