If you buy a phone that is usually $199 with a two year contract... But if it is on sale for $1 with a two year contract, is your payoff for the phone $200 less? I'm trying to decide between buying a phone on a next plan or on sale. If I buy it on sale and sign a contract it will cost me $40 on AT&T... But if I pay it off it should be $15 a month? Or, are the next prices based upon the price being $200 less in which case I would just buy under the next plan.