r/androidtablets • u/OvenObvious9982 • 16h ago
Discussion Purchase question
You know that thing you’ve been mulling over buying for a while—a little something you really want, but that’s a bit too pricey for your current situation? Well, that’s exactly where I am.
My birthday is coming up, and I thought: if I reach out to a bunch of close acquaintances, maybe we could all chip in a small amount—myself included—to cover the cost. The item in question is a Pad Pro16 (11.6-inch, 16GB RAM, 1TB), which I found for $718.52. I have 15 acquaintances who are likely to join in, plus another 4 who might be on the fence. In the best-case scenario, it would come out to $37.88 per person; in the other, $47.90 (assuming, of course, that everyone agrees to participate).
I’d primarily use it for reading comics and books, studying, and eventually as a secondary PC monitor. I’m also interested in using it for new hobbies, like creating textures for 3D models, which involves digital painting. I could get a dedicated graphics tablet for that, but I’m a big fan of multipurpose gear—a tablet offers much more versatility and can serve the same purpose, even if it’s not quite as efficient as a dedicated graphics tablet (which usually comes with customizable shortcuts and a pressure-sensitive screen).
At the same time, I’ve been wanting to buy a powerful laptop for a few years now—something that would let me start studying 3D modeling, a field I’m really passionate about. I’d love to have a machine that can keep up with current technological advancements, so I wouldn’t have to replace it just because it can no longer handle certain software or services. Plus, after spending years with an underpowered device, I’d really love to own something truly capable. According to my plans—aiming for a 6,000-bucks laptop—if I were to go into full-on cost-cutting mode, I could potentially buy it in 10 months in a best-case scenario; this $718.52-sum would help shorten that timeframe.
I tend to be a bit "megalomaniacal" in the sense that, whenever possible, I opt for a more expensive item to ensure a longer useful life. However, a higher price tag—especially with electronics—often means the device is more powerful than what I strictly need for my intended purpose. I don’t necessarily see this as a bad thing; it allows me to handle more demanding tasks that a cheaper, less powerful model wouldn't be able to manage.
Here is how I would approach this purchase:
Instead of paying the full amount upfront, I would transfer the funds to my credit card as "secured credit." I wouldn't actually lose the money; the portion I didn't spend—which remains available as a credit limit—would earn interest based on the CDI rate. The bank I currently use, RecargaPay, offers a 110% CDI yield on available credit (up to a limit of 5,000 bucks). In this specific offer, I can pay in 12 interest-free installments of $65.08—a manageable cost for me. By the end of that period, I would add this money to the savings I’ve already accumulated for the laptop, effectively ending up with both the device and the saved funds.
Furthermore, their card offers 2% cashback, which is deposited back into the secured credit account, increasing the total balance and, consequently, the investment return. I also make it a habit to shop through Méliuz; for instance, when buying from Shopee, I can get a 1.5% return during certain promotional periods. This is my standard procedure for any online purchase.
THE QUESTION IS:
I always try to take a step back whenever I consider making a major purchase (over $300)—since, truth be told, I tend to be a bit megalomaniacal when it comes to purchases I deem "good value"—so, am I falling into my own trap, or does this purchase actually make sense?