When is said everyone, i ment everybody exlcuding points i have made above. Well most people over 18 should have contracts, i know of a few people who are heavy users and are still on pay as you go, paying £200 for the phone, 10p for a text message when it could be 5p, and paying loads to talk to another network, and constantly saying the most anoying thing ever, "i got no credit". Problem is most people do not look into contracts, they think they are better of, when if fact most of them are getting ripped off. My dad was exactly the same, now i am saving him £15 a month, and he has a new phone!