[Void_]

Actually the installments are a great way to think about purchases.

I have a budget of 500€ for sports per year. I use this on gyms, running shoes and what not.

I wanted to get into skiing so I bought some skis this year. It was about 700€.

Normally this doesn’t fit my budget. But I’m gonna keep these skis for at least 4 years.

Now the price is 175€/year. And I still have a bigger portion of my budget left for other sports.

[OJFord]

Amortising the cost over n years isn't the same as calculating a 'per use' rate though. (For many things it makes more sense, don't get me wrong, just pointing out the difference.)

[gmadsen]

i mean if you have trouble not staying in a budget, I suppose that helps, just seems weird to tout that as a great way, if you are overall spending more money...

[appletrotter]

That's amortization?

[dsrees]

This only works if you subtract 175 from your sports budget for the next 4 years. The problem with this thinking is that in 2 years you'll forget this commitment you made to yourself and end up giving yourself that full 500 again. Thus spending more money