Note 4: Next or 2-year contract?
I'm seriously considering upgrading my Note 2 to the Note 4, but for the life of me I can't decide whether I want to go with AT&T Next or the 2-year contract option. If I go with AT&T Next, I'll do 18 months, the one with the lower payments.
My ultimate goal is to lower the monthly bill. Right now it always sits at about $130 per month, with 1 smartphone and 1 basic phone on an old family plan. The smartphone has a 3 GB data package with unlimited texting, while the basic phone has nothing but talk.
Using the AT&T rate plan calculator, I was able to compare the monthly bill if I upgrade my phone and change the plan to Mobile Share. I only need 2 GB of data, and the basic phone doesn't need anything besides talk and text. With AT&T Next 18, the Note 4 will be $34.42 per month. That means the bill will be $119.42 with MSVP and AT&T Next 18.
With the 2-year contract, since there is no monthly installment plan, I find that the bill is about $20 cheaper, at exactly $100. But the thing that leaves me flinching is the expensive price of the Note 4 to pay up front: $318 tax included, PLUS the activation/upgrade fee added to the first month's bill.
What do you think is the better option for me when upgrading to the Note 4? AT&T Next 18 or the 2-year contract? Your opinions/help will be much appreciated.
Thank you all!