No one is surprised when people take a smartphone on credit, but when I ask people about saving money for a phone, they always look at me with surprised eyes: 'How to save this? Nobody is saving up for smartphones! '
Although some of our readers are surprised at how often people take out smartphones on credit, this service has already become common and popular, and now you will not surprise anyone. Yes, of course there are questions about what such users are guided by, but otherwise we are all already accustomed to loans in Euroset and other communication salons. When I once again recalled the situation with loans, I realized that I had never heard of someone saving up for a smartphone. No, seriously: people either pay for the device right away, or take it on credit. The idea of incremental savings seems strange for one simple reason: if you can't afford to buy a device right away, why would you need such an expensive model? However, this logic does not apply to purchases on credit, because a loan or installment plan is associated with the desire to get here and now for a small momentary fee. And yet, why don't people save up for smartphones? I think it's a matter of the financial discipline of those who know how to save. If a person knows how to save money, then usually he does it for larger purchases (apartment or car), and not to buy a smartphone. Plus, when you put aside three or four months for the same iPhone, then it will be just a shame to 'pour' that kind of money into a simple phone. It's a shame that the same logic doesn't work for borrowers.
I have never saved up for smartphones, but buying the same iMac required some savings from me. But I do not regret it at all, because it is a working tool that has served me faithfully for three years. Have you, dear readers, ever saved up to buy a new smartphone? If so, what were they guided by? Why did you need a device that could not be purchased with one salary?