Spec me a new phone

Sod it really bored at work so I've been looking at all the Galaxy S stuff and decided to go for one.

My current contract still has to run till the 7th Feb but thats only 2 months so I'm only gonna be basically paying £40 extra maximum to get the phone 2 months early.

I'm going to go for the quidco thingy (never done it before, is it easy/any tricks) and the returned phone jobbie which someone else did which worked out at under £12 per month for 24 months with 300mins, unlimited texts and 500mb data I think.

Anything more I should consider or think about before doing this?

How does Quidco work, I've signed up logged in and clicked the link and do I just order and then someone gets in touch with me to give me my money back? It's £50 not £80 anymore so makes it a bit more expensive but not by much.
 
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Phoned up 3, who said it was too early to run down the contract but they'd offer me the Galaxy S on £20 per month on an 18month contract (unlimited internet, unlimited texts and 200 minutes - the exact same contract I have now) and they said phone would cost £60, I ummmed and arhhhed and they said phone would be £10.

This to me works out work worse still

Three = £20*18 + £10 = £370 for phone and 18months use of it
Orange = £12.50*24 + 0 = £300 for phone and 24 months use of it

How does Quidco work, I've signed up logged in and clicked the link and do I just order and then someone gets in touch with me to give me my money back?

So go for it? Anything I'm overlooking?
 
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