For many years, being money-conscious, I have avoided mobile phone contracts. Instead, I have opted to buy a cheap Android phone (often used or refurbished) outright for around £100-£150, and then I have used a pay monthly sim card and paid a set amount for calls, texts and data. Most recently, I have been paying £15 a month to Giffgaff. Recently however, I became extremely tempted by the Huawei P20 Pro phone, mainly due to the beautiful photos it could produce. As someone who takes at least a dozen photos a day, I had severe camera envy. However, at around £600 to buy outright, it was way out of my…