It is not unheard off to take on a loan but those things are usually reserved to big investments like cars or real estate that would be nearly impossible to save up to in a timely manner and it is really only 'socially acceptable' if you have a stable income.
Personally I would not take on a loan and especially not chose any payment installment plans. I have a very tight and rigid financial plan, no credit card (they're not needed in germany anyways) and my bank account cannot be overdrawn. I live on a tight budget but by cutting corners intelligently and doing without some things i don't need, I get to enjoy many more things that enhance my quality of life without spending money that I have not yet earned.
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