Bizarre really

Buy 64gb phone for £620
Buy sim only deal on o2 from e2save at £12.50 a month. Buys you unltd mins, text and 5gb of 4g data. Total over 24m £920

Or buy same tariff on a monthly plan from carphonewarehouse at £50 upfront and £53 per month. Total of £1322 over 24m

£400 over two years is a significant saving. Why would you do the latter when the former is available? Is it just cos there is no front loading of a £620 purchase in the latter?

Surely if you want an iPhone you can afford £620 upfront. Especially if it saves you £400 over two years?

Genuine questions. Mrs Snowdon wants an iPhone 6 that I have the pleasure of paying for so I'm looking for best price options..