Should I pay monthly for the iPhone XR rather then up front?
Paying for it up front will leave me flat broke but I know I need a new phone because my 6s is currently broke with water damage and internal damage plus the battery is dying so fast now.
The ifone xr sucks
Yes
In the long run it would be cheaper paying full price but in short term you'd of course feel the financial hurt.
At the end of the day though its your choice. You seem to be leaning towards a monthly pay option.
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