5 mpixel phone. 300 min/200 txts, 12 mnth contract (8 free) + £45 cashback @ Mobiles2YourDoor

THE DEAL:

8 months free on a 12 month deal.

300 mins / 200 texts per month.

Total cost £120 after cashback for the year if you send back all your claims.

Less £45 signup from topcashback or cashbackkings = £75 overall.

Plus a 5 megapixel camera phone.

With T-mobile you can port your number.

THE IDEA:

The Phone is worth £66 if you were to exchange it at cex for games / dvd's or whatever:

Or if you were to recycle it (worst option in my opinion) you'd get £45 of Argos vouchers.

Great company to deal with for cashback (just finished a 12 month deal).

I'd personally keep the phone for the camera (it's got Wii type games too). For £75 you've got a shiny new phone and a years worth of phone usage for £75 notes....you can always trade/sell the phone next year.

Potential pitfalls:- you need to send claim forms back (via recorded delivery) to get each cheque. They might 'forget' to send you the first one, but a quick call to them sorts this out. You have 60 days to send in each claim. Best keep a diary or program a reminder into your phone! You also need to cancel the insurance (free for 3 months).

Got to be cheaper than PAYG. May not suit the texting generation, but good deals from reputable companies are thin on the ground. If anyone can find a better deal with a good company please post it here rather than just voting cold - there's better Vodafone deals but you need to take a new number with those.

What do you pay at the moment.....can you beat £75 for a year's phone contract (or £9 overall if you took the cex voucher)?