'lam ko talaga malaki mark-up pag 0% installment plan.

let's take for example, Apple Imac Computer. sa Mac Center sa SM, around 89k sya na pwede i- 12 mos. payment.

pero I heard there is this distributor/dealer who also caters end users in timog area that offers it at 74k lang, cash. same warranty.

eto list ko na lang mga bad "decisions" ko

I bought an Ipod Video 30GB at 20,500 12 months 0%, a month later found out that you can have it for 16k. just finished paying last month, the Ipod 30GB video is now 10k srp.

I bought a Wow Magic Sing sa Automatic Center late November, around 11k+, nakaka- 3 months pa lang ako. found out na meron pala sa Raon last X'mas, cash nga lang 7k+.

mintik na ako sa Canon 400D na available sa mga canon shops sa mall, 49k puwede 12 mos. 0%. 39k cash sa Hidalgo with bag pa and addl. accs.

lahat with manufacturer warranty din naman.

lakas kumita ng credit card installment scheme.

yun bago type bilhin ngaun, tig 79k na 32" Samsung LCD TV sa Abenson sa Greenbelt. if you pay in 12 mos 0% installment, may free 29" Flat Samsung TV ka pa + a DVD Home Theatre Entertainment System.

pano ka naman makaka-resist, may 32" Samsung LCD TV ka na, may 29" Flat TV ka pa!

buti na lang closing time na nun, and I had a whole day to think the next day. sira-ulo abenson yun, for 79k mintik na ako napabili ng dalawa TV + DVD Home theatre. bale 3 sales in 1 pa hahaha