Indeed you are annoying and stupid for taking such a ridiculous contract. Why do you need to pay so much money for a contract, did you shop around? Would it not have been cheaper to just buy the phone outright and then find a cheap SIM ONLY or PAYG contract? I did that and I am now on a £9/mth unlimited data, 1 year (20% reduced after a year) SIM ONLY contract with T-Mobile. If you shop around you will find good deals. As for people helping you out. There is a lot of help on this forum, but one does need a bit of common sense.