How I saved money buying my M8 and then switching to a Framily plan.
I figured I would share this because it saved me (or will save) some money. I was planning on switching to a Framily plan to lower the bill significantly and was told about how phone upgrading is different on that plan. You pay full price, put down 15% and the rest is split between 24 payments on your bill. So on a $650 phone with $200 down the payment is about $19 a month for 24 months. However, if you purchase the phone with your existing contract upgrade and then switch to Frankly you only pay a $15 a month fee for the upgrade. The best part is that if you are paying for unlimited data you only pay that $15 for one year. Unfortunately, if you don't pay for unlimited data then you're paying $15 for two years. For many though it's still the better deal. Paying $4 less a month for two years adds up. Or only paying the fee for one year saves even more.
Also, I was told using a discount for belonging to a credit union gets activation fees waived automagically so I switched my discount to the credit union since my original discount didn't provide me the waiving of activation fees.
So after getting the phone on Amazon for $150 I ended up (or will) saving a chunk of change switching to a Framily plan.
I didn't proofread this. Posting from my phone.