You know how you get the money back if you buy an iPhone?

By paying $300 to a third-party retailer.

Or if you want to pay $150 for an iPhone XS Max?

Well, you’re going to have to wait until 2020.

The big takeaway: Consumers are likely to save up to $300 on their 2018 bills.

That’s a significant savings compared to 2017, when the average American spent $5,912 per year on their phones, according to an analysis by Consumer Reports.

And it’s the same for electronics.

In 2018, consumers spent $3,906 per year buying electronics, according the report.

Thats up from $2,898 in 2017, and the biggest increase since 2014, when consumers spent a whopping $5.5 billion per year.

In 2018, the average consumer spent $7,634 per year spending on electronics.

Thats up by nearly $1,000 from last year, according a new report from the Consumer Federation of America.

But the number of people who are spending more per year than ever before is at its lowest point in nearly two decades.

The number of Americans who have saved $300 per year has plummeted by roughly 50 percent, from the record high of $1.25 trillion in 2015.

As a result, consumer advocates and retailers have been scrambling to figure out ways to save money on their bills.

While it may seem counterintuitive to charge consumers to buy a phone or a new computer, it’s actually a smart strategy.

For one, it helps the entire economy.

In the past, consumers have been reluctant to buy expensive gadgets or tech gadgets, as they fear they’ll just end up with an overpriced phone.

But now, the consumer base is expanding.

And with that, the cost of buying a new smartphone or computer has dropped significantly.

So consumers have become less likely to buy gadgets they’re not sure they need, according Mark Kantrowitz, president of the Consumer Electronics Association.

And that’s a good thing.

It makes consumers more likely to shop around for a better deal.

“It gives consumers more confidence to shop online,” Kantrowits said.

“I’m glad consumers are saving on their devices and making more informed purchases.”

In addition, consumers are spending less.

According to Kantrowittts research, the percentage of consumers spending less per year is down from 19.9 percent in 2015 to 18.6 percent in 2018.

That means they’re saving up to 30 percent less.

That would translate to an average savings of more than $300 over the next 10 years.

Kantrowitt’s report says consumers have saved nearly $100 billion in total spending on gadgets in the past 10 years, including an average of $6,200 per person in 2018, an average annual savings of $10,800.

The good news is, there’s always another way to save on electronics, too.

For instance, there are a lot of retailers that sell electronics that are already on sale or at low prices, or even on sale for a fraction of their original retail price.

The best bet for consumers is to find one that offers discounted pricing.

And those are the ones with the best deals.

There are some companies that are offering cheaper deals than others, but if you’re looking to save the most money, go for the best deal on the market, said Kantrowitzer.

“The good thing about the online marketplace is that there are always new deals and great deals.”