<prompt> Human: Hi. I have a loved one who insists that buying one big ticket item at a time on a no-interest promotion is the same as saving the money up over time and making a purchase.Ive used the typical borrower is slave to the lender, you must pay or youre screwed, you dont really own it, etc., arguments but they refuse to be swayed. They come from a family that has always bought new furniture, TVs, etc. in this way, and I cant get through.In a culture thats addicted to making monthly payments, have any of you picked up wisdom in helping others understand the power of living without debt, even when its interest free?EDIT: also assume the person in this scenario has numerous other debts already which DO accumulate interest, and that the financed purchases are not for essential items.  <response>: I mean... Technically theyre right. If youre paying 1000 over a year, its mathematically a better deal than paying 1000 today. Debt isnt intrinsically bad if you can manage it. Stop assuming youre always right. Edit: Saw more of the details. It seems like the real problem here is that your loved one is buying things she doesnt need, simply because its available for 0 interest. At that point, try prioritizing things with her. do you need that sofa, or should we pay off the car so we can put money away for our childs education? 