I would like to start upgrading my phone once a year but my tab NEVER works out right for me to do this so I end up keeping my phone for longer than I'd like. If I do upgrade I end up having to pay off my current tab and pay whatever extra for the upgrade which usually ends up to be a lot at once and not feasible for me. Example: March First I have had my phone for one year, If I wanted to get the Galaxy Note II I would have to pay off my current 80$ and 250$ for a total of 330$ all at once. If I had the option to pay and extra 15$ a month over the year to the tab It would be feasible for me to upgrade. as it would only cost me 150$ instead of 330 all at once. I would LOVE the options to pay an extra 10$/15$/20$ a month towards the tab.