Installment vs cash: how to decide

• Cash usually gives the lowest total price.
• Installments let you get a laptop or phone now and pay from monthly income.
• Compare the total you will pay with the cash price, and know the difference.
• Choose a monthly amount that is comfortable, not the maximum you can stretch.
• Keep a small cushion for emergencies.

Ask the shop to write the full price, advance and monthly amount before you agree.