iPhones are eye-wateringly expensive. The latest one, the iPhone 11 Pro, costs from £1,049 but is a product that is unrivalled for its size with a gold standard camera, great screen and 32-hour battery life. Every September, when new iPhones are traditionally released, if I feel it’s time to upgrade mine to the latest and greatest, I buy a new one directly from Apple for the full price, rather than going with a two-year contract through a phone network. Despite the hefty premium price tag if you have cash in the bank this is the most economical way of funding a new iPhone. However, this year I was attracted by Apple’s iPhone Upgrade Programme. The Programme is billed as Apple’s easy solution for people who want to upgrade to a new iPhone every year, but don’t want to be t...