"Maybe I'll get one when it's around 200$ a month. "
Owning a cell phone doesn't cost you anything after the initial price.
Using it to make calls and write and receive text messages can cost you, but 200 a month??
Have you ever heard of "Prepaid cards"? I use one, and I have to pay like 20 bucks a YEAR, and even that's only to keep the connection up (they will shut it down if I don't buy more 'value' for it every six months).
My expenses on that prepaid are practically zero, and those prepaid cards are so cheap, you could buy 40 of them with 200 bucks. Why would you even buy one per month, when you can just use the one you already bought?
Of course I don't really make calls and my text messaging is really rare as well, so those six-month payments actually accumulate and in effect, I have 'endless amount', because I spend a tiny fraction of what I add to it, so even if I had to start calling and texting like crazy, I could easily afford it - and when it is all spent, I couldn't sink into debt, because the prepaid would just be empty and useless, that's all that would happen.
Then I could buy another 5-buck prepaid and start over.
200 a month?
WHAT?
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