I guess with all things, depends on the financial position of the customer.
If you’re stretching yourself to get any phone, then yeah, diminishing returns for forking out $800+ for a flagship.
That being said I’ve owned multiple phones in each price category, and can say that the best phones are unfortunately among the most expensive.
Two things:
see if your power provider offers an “equal pay” plan, where your payments are normalized over 12 months. This provides consistency.
Budget Budget Budget! Keep track of your monthly income and expenses, and plug this equal pay into it.
Often times your power company will let you do equal pay before having 12 months of usage history.
The one thing is that if you use more than you’re paying for, you have to pay the overage at the end of the 12-month cycle, AND your payments increase. So, don’t get used to leaving all the lights on!
On the flip side, if you use less, you’ll either get a refund or accumulate credits which will lower your next year’s payments.
Plus, you can set the speed to 1.5x and catch up to live, if you want.