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I'm going to go with a slightly unorthodox answer. Phones.
You don't need a new phone every year. You don't need a new phone every two years. You don't even need a phone every three years. Your old Galaxy S7 or iPhone 6 still works. Don't waste your money keeping up with the latest phone. So what if it has a slightly better camera? What are you taking pictures of? What does it really do that your old phone doesn't?
Once you properly consider everything you realise that you only really need to upgrade your phone every 4-5 years minimum. Many will last much longer.
Keep a phone as long as it gets security updates. A shocking amount of personal info is on your phone and you don't want it popped
My phone has started glitching a bit over the last month or two. I JUST reached the end of the point out was paid off under my plan, which is kinda suspicious to me.
In there past, I've always bought phones outright but this particular one there was a sale where it was cheaper to finance though my provider.
End of billing would be a coincidence.