“I will surely buy an iPhone 14 this year even if I have to eat vada pavs for breakfast, lunch and dinner for the next 6 months.”
“The joy of owning an iPhone cannot be described in words. It makes you feel special. I know it’s out of my budget but then festive season is all about shopping, no?”
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“My girlfriend’s father gifted her an iPhone 13 last year. She insists I must also switch to an iPhone so we could FaceTime. I was hoping to purchase an entry-level bike around Diwali but it will have to wait for another year.”
“No doubt an iPhone is an iPhone. But why should I buy an old model? I have already applied for a credit card and will purchase an iPhone 14 the day it hits Indian markets. My father had taken out an education loan for me and I can always defer repayment. He is my father.”
All four say the last week of the month is super difficult but they have come to terms with the harsh realities of life. However, record-high inflation and sky-rocketing expenses have not dampened their desire to own an iPhone. All four are willing to splurge in the upcoming festive season, even if that means taking on considerable debt or delaying essential purchases.
Here are three tips that will help you retain your smile long after festival season:
Festive season should not makeyou a pauper
Carefully choose financing options
Do not stop investments
Financial discipline does not come easily. Many young adults make the mistake of stopping monthly investments to meet short-term needs. However, in the long run, a few missed investment opportunities can considerably delay your long-term financial goals. Make the most of your SIPs.
And as for that iPhone 14, it is a personal decision but do remember to do a cost-benefit analysis before shelling out big money.
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