The debaters on the red side are really ridiculous. Many people use examples such as houses and cars to make things clear. This is purely a substitution of concepts.

The question is when buying something more expensive, not something very expensive.

First of all, we must understand the concept of relatively expensive:

Very expensive: cannot afford it or it will take decades to afford it.

More expensive: It is affordable, but once you spend it, your credit card debt will increase, you will owe money, etc. You need to pay it in installments slowly, which will tie your neck tightly.

So I chose to save enough money and then buy it and pay it off in full.

The reasons are as follows:

First: Installment payment costs more, and interest-free is just a way to change the handling fee. And once the contract is formed, you can't change it, and you can't pay it off in advance.

Second: Installment is a routine of businesses and the country, which firmly ties you to the contract. You dare not resign or speak, but you must ensure that you have income every month. In this way, you will be naturally harmonious and stable. .

Third: More expensive things are often used for enjoyment in life and often have nothing to do with basic life needs. (Of course, some influencers insist that her life must be spent on HR Helena, Gucci, Dior, and LV. Then I have nothing to say. We ordinary people can wear clothes for hundreds of dollars, and occasionally buy a coat for thousands, but others insist on buying tens of thousands, What can we do if they spend hundreds of thousands or even hundreds of thousands? They make a habit of spending too much and end up in debt. Then they pay off credit and pay off credit, and their good life turns into a self-destruction. I have seen them all)

So to sum up: excessive consumption will only bring about bad consumption habits. People have inertia. You don’t have the ability to insist on consuming things from that class. It will get deeper and deeper, and the final outcome will be selling.