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T-Mobile ups the cost of an iPhone 5 to $149.99

I just noticed that my costs to switch jumped $200 (iPhones for my wife and I) and I'm kicking for not pulling the trigger a week ago.

I need to come up with a spreadsheet to calculate the optimal time to switch since I'm not even a year into my iPhone 5 with AT&T. Their new ETF is $345 minus $10/mo of service. I think I would owe either $255 or $245 to exit my current contract.