There is ever-increasing shopping paid by
cards.
essay will argue that despite the possibility to immediately purchase an expensive item at stores and acquisition of property with
, it is impossible to avoid the drawbacks that the use of a
card interferes with the ability to correctly manage a monthly budget and requires additional commissions for purchases made.
On the one hand, there are some benefits of a
limit.
, it gives freedom of action in shopping malls, if you suddenly need to buy something unplanned.
, it is not necessary to wait a long time, accumulating the required amount of
, but just go shopping things right away, and
figure out how to return it.
, a person with an average income will not be able to buy an apartment without a
loan, so it provides an opportunity to improve the standard of living.
, to prove these two advantages of
cards the report of the National
of Russia states that 92% of real estate is acquired thanks to borrowed funds from banks, and 68% of computers were purchased with
cards.
, these advantages do not cover the problem that over time loans cause addiction and
is just an appearance that the
is yours, but in reality, people will have to return it to the
.
, shopping with
has downsides in that it gives an impression that a person earns more than his monthly salary,
it becomes a habit and in his head the amounts that can be spent in a month increase, when in fact he spends not his own
.
, it is needed to pay interest for using
, so it turns out that a
cardCorrect your spelling
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owner spends on a purchase one and a half times more than it actually costs.
, the community of financial advisers publishes educational booklets in which they give an example that using
cards for a month and
paying interest is 21% more than the average monthly salary, and for a year
comes out 252% more than the annual income, which ultimately turns out extremely unprofitable
To conclude, while there are positive aspects of
cards online
as the ability to buy new equipment if the old one suddenly breaks down or to buy real estate, there are
negative effects, namely the appearance of having a larger amount of
in the account than in reality, as well as high costs due to interest for using
loans.