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Using money you haven’t earned yet to buy something that will be worth less when you finally pay for it is crazy.
You’re paying more than the asking price to (eventually) buy something worth a lot less. That’s a double whammy.
You get hit twice. Once on the way in and again on the way out.
Instead defer your spending until you’ve got enough to make the purchase outright.
Do this and two things will happen
Firstly, you won’t be paying any interest
Secondly, you’ll shop around and pay the least amount of money - because it’s currently sat in your account and you can choose to spend it on whatever you want. If not all on this, then there’s a some left to spend something else.
Don’t pay interest to acquire something that loses value