How To Get Hold Of That Top Technology – Without Breaking The Bank

Published on: 06/04/2019 | Updated on: October 25, 2024

How to get hold of that top technology without braking banks? Smartphones, tablets, computers, and more: these days, technology truly is everywhere you look. It’s believed that Apple sold a billion iPhones in the 2007 to 2017 period alone – and with other providers also doing well, tech is all over. But the price tag for the next Apple Watch, for example, kicks off at $400 or so – and with other tech items rising way beyond that, kitting yourself out can cost the earth unless you take steps to tackle it.

How To Get Hold Of That Top Technology?

Second-hand

For most people, choosing to opt-out of the tech revolution really isn’t an option given that smartphones and computers are needed for work, play and more. That’s why choosing second-hand items is a popular option.

There are several online exchanges at which you can find the technology you want and need at heavily discounted rates compared to buying new, while Facebook Marketplace offers plenty of local buying options for that added peace of mind.

When buying second hand, remember to look out for certain descriptive terms which communicate that the item is of sufficient quality – such as “as good as new”, or “box unopened”.

Personal loans

Applying for a personal loan is also an option if you’re in need of additional funds for spending on your tech habit. Perhaps you know that you’ll be able to afford a new piece of a kit in a couple of months, but you’ve realized that you need the functionality of it now – perhaps for work, or to keep up with your peers. By applying for lower interest rate credit products, you’ll be able to both get hold of the device now and also stagger the cost over a period of time thanks to a repayment plan. 

Extend their life

Although it may seem counter-intuitive at first, it’s actually the case that the amount you spend on a piece of technology is determined by more than the amount that changes hands at the cash register. It’s also determined by how long you make the kit last.

Say you buy a smartphone for $500, and then due to carelessness you need a new one after two years – and end up shelling out another $500. But if you keep your technology protected – perhaps through insurance or through physical protectors such as cases, screens and more – then you’ll be able to cut down on the amount you have to spend going forward.

Change your requirements

 While technology is expensive on the whole, that doesn’t mean all pieces of kit are necessarily out of your price range. There are two main ways to change your requirements.

Firstly, you can consider switching brand: while Apple Watches and Google Pixel phones both come with their unique advantages, more often than not there’s a more budget provider who can offer a product with similar features.

Even if they’re not exactly the same features, it’s well worth investigating as you may quickly find that they actually have the key features that you simply can’t live without. Remember to look in a mixture of locations, too.

Sometimes you’ll be able to find other devices by looking online, but it may also be worth exploring real-world shops too as they could have own-brand devices which meet your needs.

 Or alternatively, you can stay with your favourite brand but move within the ranges they offer. You might, for example, want to consider opting for a phone with less internal memory or storage space, as these are usually priced more cheaply.

Remember to exercise caution when doing this, though, as it may sometimes lead to false economy. Buying a phone with relatively low amounts of memory now may seem like a money-saving move, but if you end up needing more memory later then you may find yourself having to buy a new device sooner than you imagined.

While you may be able to buy memory cards later on as a workaround, you may well end up regretting going for too cheap a price point now. 

Save up

And if all other options fail, it may be time to go back to basics and opt for the old-fashioned route of simply saving up for your preferred piece of kit until you can afford it.

For an expensive piece of modern technology such as a high-end smartphone, this may seem like a mountain to climb – but if you’re able to put away $50 or even $100 per month, it’s often the case that the savings will mount up much faster than you expect them to.

Keeping the cash you save in a separate location, such as a specific savings bank account or even a smash-able money box which is difficult to access, can help you stay on track and reach your savings goals.

In order to do this, you may have to consider cutting out some luxuries form your day to day life. Say you always pick up a coffee on the way to work: why not get a reusable plastic cup instead, and make your coffee at home in the mornings?

Or if travel is a big expense, consider not running your car for a few months and using public transport instead to cut down on gasoline costs. If it’s really not possible to save all the way, why not consider merging some of the tactics outlined above – perhaps by saving a third and then funding the other two-thirds with a personal loan?

 

Technology is ubiquitous in the modern age, and it’s needed for everything from retaining a social life to carrying out your functions at work. Yet with such high price tags attached to many pieces of kit, it can sometimes seem hard to fund. Going for second-hand products is one option, while personal loans is another. Looking after your pieces of tech is essential, too, otherwise, you may find yourself having to shell out on a semi-regular basis. This way anyone can get to know How to get hold of that top Technology.

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