Actually think nothing of buying anything in installments. But I'm playing with the idea of financing the laptop I wanted to buy 0% of course. I could actually afford it. Am a very economical person. For example, save 50% of my salary, 30% go to an ETF savings plan and the remaining 20% to a savings account.
I would always pay immediately. Then it is yours and you do not have to carry the debt and the installments with you.
Everyone has to decide this depending on their situational finances. But guessing payment is not a bad thing.
Then better pay now. No hidden costs or interest whatsoever…
Only if I can generate more returns for the same money in an investment than I have to pay for the interest on the loan.
No, never, I wouldn't even buy a car in installments. What I can't afford I just leave it without.
