If the Trade In Deals are not what your looking for then perhaps consider selling your phone privately to family, friends or a colleague etc to help accrue the necessary funds to purchase the phone of choice. Sometimes a person gets more for their phone this way too.
I save up my disposable income over the year to help fund my next purchase and sold my last phone i.e the Samsung Note 9 to my son.
I wish you all the best with this situation.
🌈 Stay Safe & Stay Alert. 🌈
Current Phone ~
Samsung Note 20 Ultra 5G SM-N9860_256Gb SnapDragon 865+
Samsung One Ui 3.1/ Android 11.