Hi, I've always bought a new phone when my 2-year contract ends. This year, the phones are a little more than I am willing to spend. My question is: once phone is paid off... what is the portion of the your bill that you pay that is part of monthly bill? Is it best to upgrade your phone under ATT so you aren't paying subsidy for a phone that is already paid off? I was going to check but ATT site is down? I pay $80 a month to ATT for unlimited plan, 200 text messages and data.