Have you checked your Plan Critical Information Summary as you may be able to upgrade for a fee and hand the handset back to Optus. If you login to My Account and click on your number and click on Critical Information Summary. You may be able to pay a once off fee to hand it back to Optus and re-contract with another device.
You could always sell your handset off privately, or via a phone cash in service, and then pay out the contract if you want to lower your bill. All the flagship phones are well over $2k outright now, if you dont want to spend that much, look for a mid-tier device like the new Samsung S20 FE or the iPhone SE etc.
The other number you dont use, you may be able to disconnect, maybe contact customer service and have a chat to see what they can suggest to help you lower your bill.
I know that it's well over $2k, it's just that I can't resist the temptation of buying a fancy iPhone as they advertise it on the website so well. I know it doesn't come with what they promise they just milk the brand.
Yet you say "Maybe go Samsung"..."you can sell on eBay and that way you can get a new iPhone", which means its not a realistic prospect.
You are just addicted to the getting the latest iPhones (and who know how many other "must have" things/services you regularly spend money on). You are not looking for ways to save money because of your financial position, you are just looking for ways you can justify that new iPhone.
When financial situations change for the worse its time to see where spending can be cut, and not buying a new phone should be an easy and obvious decision, not one that needs to be agonised over.
The problem of being an employee while you purchase liabilities for your hard-earned cash persists. We are not talking about $100. It's like $3k to $5k for a phone that's ridiculous.
But you don't need to purchase a new phone, not even a $100 one. You just want it.
Not everyone is able to make money for nothing, most have very bad financials and love to purchase liabilities but unfortunately can’t afford them.
Just because things like high end iPhones exist does not automatically mean you have an entitlement to it. And if you can't afford them then you don't purchase them. And if you do, you have to accept whatever financial hardship that comes with that decision.
I, for example, would love the latest Galaxy Note 20 to replace my 5 year old Galaxy Note 4, and I can "afford" it if I decided to upgrade, but spending $2k on it now when my current phone is still working fine is not a financially sound thing to do no matter now much I desire the new phone.
Not broadly, you’ve answered with 1000 per cent it’s my limited mouse psyche that loves to disagree and not put up with action like your pieces of advice which are quite crucial thinking I should have, it’s my drawback that I don’t have. I would need to look in the mirror and be positive.
EDIT: I've been an on/off Samsung/iPhone customer, had the iPhone X and now the iPhone 11 Pro Max 512 (5k contract).