the first pro of instalments is that you can feel temporary relief that you don't need to pay a large amount of money at once, and Secondly, although you don't have enough money to buy stuff you want, you can buy the thing. I think the second reason is the main benefit of instalments. On the other hand, the first con is there is a possibility that you may have to pay interest. I mean, you will pay more money than if you paid in full. Second disadvantage is that you will have to manage your payments every month. If you paid in full, management of your finance will be much easier. On top of that, when you use instalments frequently in short period, the situation can get worse as interest rates can be high and management of money will be much more complicated. Therefore, I want to remind you to be careful when using instalments too often.