If you're just coming off the 'field' and want to update your mobile phones,
IF you wipe your phones and take them to a phone repair store, they may offer you some money for them... if you have nothing else to do with them,
this can defray the cost of purchasing a new phone.
ALSO if you're able to buy used phones on craigslist, or even take an older phone off someone's hands, you can reduce your costs.
MOST phones out of contract can be carrier-unlocked online in 24 hours for around $9.
So don't feel like you have to buy a new phone, you can buy a one year old phone and save a lot of money.