You don’t have to be tied to a monthly contract if you don’t want to, but pay monthly is a good option if you want the latest phone, as the cost of the handset is usually included in the overall price.
If you’re on the lookout for the right deal in terms of minutes, texts and data, then think about going SIM only. On the other hand, if you only use your phone occasionally to keep up to date with family by text or phone call, a pay as you go (PAYG) phone might be better over the longer term. Just be aware you will pay for the phone upfront, so you may prefer a more basic model.
If you’re still undecided, you can find out more in our simple guide to SIM only vs contract phone packages.