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Do you prefer the hire purchase mode of buying your items?

It is only in desperate times and situations that I would use hire purchase to buy things. And it rarely happens. I prefer to pay for my products wholly before I take it and make use of it. Hire purchase is not bad but it is burdensome.
 
What i don't have fund to buy, i will not buy it until i saved enough for it. Hire purchase may be good for a long term investment especially with investment that will appreciate with time. House or land will always appreciate.
This is the same philosophy that I use to live my life. I don't chase things that are out of my reach at the moment because I don't want to burden my life with debts.
 
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