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A mobile phone is one of the necessities of life these days; it’s very hard to function without one. All our social arrangements depend on a phone, as does staying in touch via email and social media. However, choosing which package to go for can be a little daunting. The biggest choice is between a pay monthly contract and a pay as you go arrangement.

Pay as you go works on a very simple basis: you pay only for the calls and texts that you make. This system relies on you already having a phone, or buying one separately, as no phone is included in your deal. This works well if you don’t make that many calls or texts, or people are planning to call you rather than the other way round. It’s good if you aren’t going to be in one place for a long time, so if you are travelling for example, or can’t provide the credit background necessary for a pay monthly contract. There is no credit check and no notice period as you aren’t in a contract.

Pay-As-You-Go service is not available for new customers or plan customers even after plans expire and are not recharged.

Pay monthly gives you a number of inclusive call minutes and texts in your package (the exact allowance will depend on what package you take out), and generally a phone is included, although there may also be an additional one off payment if you choose a more expensive model. Pay monthly is good if you know you are going to be in the same place for the foreseeable future: you may well find that the overall package works out cheaper than pay as you go but you are tied into a contract for a period of time – generally 18 months to two years.

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