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The pricing is comparable in cost to T-Mobile's "Classic Plan," which is similar to every other wireless operator out there.

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Of course, it would be better for consumers if AT&T and other carriers had a policy so that when you finished paying off the subsidy your monthly service cost would be reduced, but most do not. The simple answer is because AT&T and the other carriers who have set up their plans in the same fashion want to wring as much revenue out of you as possible.

And the truth is you are an ideal customer for them right now.

I also offer some advice to a smartphone shopper on a budget, who needs to know which unlocked smartphone to buy.

I also explain the difference between T-Mobile's new prepaid brand Go Smart and its traditional prepaid services.

If you finance your device, add another $20 a month to the monthly cost.

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