anybody?

Hi, I just wanted to know which option is the best in terms of saving money, I live in Canada.

I'm looking for a low-mid range smartphone such as the Samsung Gio or LG optimus Chat, I only have 3 criteria, capacitive touchscreen, android and wifi.

However, I'm debating whether I should buy such a phone and go with a $20 talk/text plan, or I should get a 2 year $25 talk/text plan and get the phone free, or I should get the phone free and slowly pay it off using a tab.

The only reason why I'm thinking of buying the phone is because I can go with mobilicity which has a family plan which will cost me $20 a month, but if I wanted a free phone the cheapest plan I could go with would be a $25 plan for 2 years or put $150 on a tab and pay it off with monthly bills