It really sounds great to buy something just with paying for a little of its price. Especially when you can't afford something which you like very much. Even you can own something without paying for it,such as a car, but you will have some loans for these items and need to repay the loans for 12 or 24 months with a certain amount of interest. It does not a matter for one thing, but we always forget that how we roll a tiny snow ball into a giant one in winter. When we are tired of replaying these loans due to our little salary, we usually find that we have bought almost everything by instalments, such as a tube of toothpaste, because we have been got a habit of online shopping and tend to pay for them by instalments. Then our homes are full of a variety of useful and useless items. The worst thing is that when we open the apps which offer online shopping, we are easily attracted by may new things which look essential for our daily life. For example, After my daughter bought a hamster, she also bought a lot of other things for her pet, such as medicine, toys and something for getting married with her friend's hamster. This is very different from what a hamster did many years ago. At that moment, a hamster was just a pet who was running in a wheel throught out a day. All the things for her pet bought by instalment.