The one-time price of a smartphone is insignificant compared to the cost of its data plan (which can range from around $60 to $120 a month). Before you start analyzing different phone models and carriers, call your employer's HR department. Many medium- to large-size companies have a deal with at least one U.S. carrier, says Darren Murph from Engadget
. "If you sign up with that carrier through your company, you may get a 10 to 20 percent discount on your phone bill."