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The Short Answer

Should You Buy Now, Pay Later?

Spending is usually more fun than saving, but don't lose sight of your long-term goals.

Spending $400 up front for a new 50-inch flat-screen tv may sound like a lot … but how about $13 a day for a month? A store may advertise a product this way because breaking the price of the product into smaller pieces may sound better to the customer. It's a lot easier to think you can afford an expensive product when the cost is broken into smaller chunks over time.