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redditenjoyer737 t1_jade7eh wrote

Reply to comment by antwan_benjamin in Affirm: 0% Interest for 36 monthly payments. Why wouldn't you do this? (US/CAN) by nabeel_co

This is where the "But its free money" argument breaks down. Spending $3k on bullshit at 0% isn't 1worth it if you would have otherwise spent $1,200 on necessities and paid cash.

People overspend when they use credit - plain and simple.

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nabeel_co OP t1_jae1kut wrote

Well, my hands are tied, because it's not like the devices are getting any cheaper... and the used market is also maintaining super high prices. So what do I do? I either pay cash, or leverage credit and at least get to keep my money making me income for a little while longer.

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redditenjoyer737 t1_jae4i2j wrote

>leverage credit and at least get to keep my money making me income

Honestly - how much after-tax income are you making financing a $1,000 phone?

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nabeel_co OP t1_jae6ock wrote

$3000... they are fucking $3000 now.

I have damn near 1TB of storage in my used phone that I picked up for 400 bucks, because you could add SD cards back in 2019... but now... you can't... I need the storage, and I need the larger screen because I literally use my phone as a laptop/computer.

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