Help!

I permanently destroyed my very old iPhone 4 something earlier today, and now I have to choose before the 5s and 5c. The difference between the two is $100, which is a substantial amount of money for me, though I can come up with it if I have to. But should I? Is there a big enough difference between the phones to justify an extra $100? I hope someone knows something about any of this, because I certainly don't.