Since we are sort of on the question of whether to pay cash for something or financing it, unless you don't the have cash to pay for it, a good practice is to avoid financing anything that depreciates. You are getting hammered two ways. The best example here is most all new autos. On the other hand, finance anything that will appreciate faster than what the cash you would have paid for it could earn if deposited at interest. I suppose this could describe some guitars, if you place value on your enjoyment of it.
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