Buy an unlocked phone and use till end of contract. When you switch, keep using that phone. Some providers if you say you have your own phone, you can get a discount on your contract for bringing your own phone. (Ranges from 10% to $10 a month IIRC).
Unlocked phones include but are not limited to...
iphones from the Apple store. iPhones elsewhere might be locked.
Sony Xperia from the Sony store.
Borrowing an unlocked phone from someone for a year. If she's not picky, an ancient dumb phone might work too.
Purchasing a Blackberry phone from the Blackberry website (YMMV)
Other online cellphone purchase
Windows 7 phone (I don't recall any of these being locked, and it's too bad you just missed the guy selling his on the buy and sell forum)
On a side note... who else here has an unlocked phones collecting dust to sell or loan to OP? I know I've seen a few names on the OPO thread. I unfortunately have Fido locked phones only.
@GP_Matt: Changing phones isn't overly complicated. It's as easy as popping your old sim into a new sim (assuming the sims slots are the same size). It's porting info that's the pain in the ass if you have no idea what to do. It's like assembling IKEA furniture with no instructions. But with all things, youtube can teach you anything better than instructions or an article can.
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