Upgrading my phone on the 3rd or sometime there after what should I do?

I really am looking at the Nokia Lumia 928 on Verizon. At Frys Electronics its available for $20.00 with an upgrade and or new contract. Should I go for it? I would got one unlocked off Ebay but I don't have that kind of money atm. I hopefully will be getting a new job soon. So that would help when paying my phone bill.