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recommend me a phone please

I'd love an iPhone but just can't afford one.... I need some phone suggestions, as it just gets too confusing looking at all the options!

I have a good PAYG deal with O2 that I'd like to keep- £15 a month for unlimited text and web. I don't really use the phone to call, so this suits, plus the £15 balance can then be used for texts to the US where my family is and for the occasional call.

I'd like a smartphone, something with a decent camera, Instagram.. and I'd use it for FB, twitter and the odd browse. It doesn't need to be the latest and greatest, but does anyone have any suggestions? :)

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