I must agree that if 0% financing is a lure towards an expense NOT budgeted nor pre-saved, it is a danger and not a safe financial maneuverI agree completely with your post, but I was trying to get at something a little more subtle. I could afford my purchase, and I had actually pre-saved for it out of my combat pay. What I learned about myself was that the fact that I was swayed by the 0%, and was deluded into thinking I was making a smart purchase when really I was buying something I didn't need. I am usually pretty critical of marketing, but had always separated finance & marketing in my mind until now, so I feel I was convinced to buy something because of the financing, when, if I had to pay for it out of pocket I would have not bought it, or at least looked for a cheaper deal.
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