Would you spend the money or wait?
My husband and I are getting fed up with our phones from AT&T. We have the HUAWEI HB4F1. They are not very good. They are better then some phones, but we're holding out for the Iphone 5 next year in March because we'll get a full discount then. It's $199 for the Iphone 5. We don't need the newest Iphone 5S that's coming out. The Iphone 5 will do just fine for us.
AT&T keeps sending me emails about upgrade this and now their new program is where you pay off the phone over time. Doesn't it make sense to just wait and get the full discount rather then paying $400 some to get the phone now?