|Beyond data plans and surcharges, your high-tech phone could be depleting your bank account.|
First, perhaps no other product niche inspires buyer remorse as regularly and quickly as smartphones. Almost immediately after purchase you'll seem to start hearing about upgrades and even better models that make your phone feel outdated. Have an iPhone 4? Well, get ready to hear all about the new, Holy Grail-like iPhone 5 right around the corner. RIM will seem to announce a new BlackBerry as soon as your company issues one. Your HTC will feel DOA once you hear about the better processor and abundant features that could be yours. In reality, your "old" phone is probably just fine for what you use it for. But the lure of a bright and shiny new toy is enough to get many to shell out hundreds of dollars and switch carriers almost annually.