'The payment of small sums of money at regular, comfortable intervals over a period of time, rather than paying the whole amount at once, has obvious advantages. If you have to buy something, or pay for something which supposes a big and unexpected economic cost, but it’s absolutely necessary to do, say a new washing machine, repairing your car, and the like, then paying by installments can be the best option. But you have to watch out, because you must keep in mind that you will have a debt to pay at the end of the day. On the other hand, if you know how easy it can be to pay right now for something you have a craving for, say a new smartphone, a trip, a pair of trousers, whatever, that’s an entirely different question. In this case, it's better to think about it twice/ it's better to sleep on it before spending money you don’t have / you may not even have.