If I were to buy the cheapest of Apple's new phones — the 64 GB iPhone XR — my monthly fee would be $37.41 through its financing program.
That $37.41 is exactly what I was paying per month for my 7 Plus.
But since I haven't upgraded my phone for over two years, my monthly payments are no longer. Starting last September, I owned my phone outright and have been paying $0 to Apple since.
So, if I were to upgrade, I'd have to get used to a monthly payment again.
If I traded in my 7 Plus (which is in good condition), I would receive a $300 credit through Apple's GiveBack program.
That credit could be used for future monthly payments and paying taxes on my next phone.
Shoot! I always forget about the taxes. Let's figure that out real quick.
The 64 GB XR retails for $749, and the sales tax in San Francisco is 8.5%. So to walk out the door with my new XR, I would have to pay $63.67 in taxes.
After taxes, I would have $236.33 left from my trade-in credits, which would be enough to cover my first six months of fees on my new XR. That's not bad!
But, do I really want an XR?
I wasn't impressed with the look or feel of that phone.
According to the specs, my 7 Plus is thinner and lighter than the XR and actually has a higher resolution display.
If I were to upgrade, I'd go with the 256 GB XS Max which comes out to $60.33 per month through Apple's financing program.
That's quite a bit more expensive per month than the XR and after taxes on the $1249 XS Max, I would only have three free months from my trade-in credit.
Going from $0 to $60.33 per month is a hefty difference. And for what reason?
My 7 Plus is still looking good!
I'm proud that even without a case (those get in the way of how a phone is supposed to feel), I only have minor scratches.
Also, my battery life is still holding strong. And as the Apple employee kindly reminded me, if my battery does deteriorate, I can replace it with a new one for just $49.
Further, even with improvements to the newer cameras in the XR and XS, I still stick by the quality of shots I'm able to capture with my 2.5-year-old "clunker."
I'm not sure what it'll take for me to finally upgrade from my 7 Plus — maybe if those intermittent app crashes become more consistent or god forbid, my AirPods can't connect.
But for now, I'll happily continue to be in upgrade limo and a poster boy for Apple's current iPhone problem.
