iPhone4 contracts are at least 18 months so if this is not your cup of tea, the (effective Hire Purchase agreement you sign) could tie you into a device you either
1) Do not like
2) Do not make full use of
for others who have the use of Facebook, Tapatalk, gMail, Sat Nav, MSN, photos, music etc, then the money is worth the investment. In your case, it seems like you really have no need for all the features and would be better off buying a simple phone, without a contract and signing up for whatever service provision fits your needs.