If you have money going out per month, use Klarna (or similar services) for Pay in 3 set ups for better goods that may cost a little bit too much for paying all at once.

Whilst there are bargains to be had, many cheaper appliances may fail or reduce in quality so quick; however, the ‘good’ things are often a fair bit out of people’s price ranges.
I have used Klarna for various things around the house, also good shoes, on the same day per month that I’ve received money. They’ve all lasted a very long time and much better than cheaper alternatives, and they’re fully paid off in three months.

There is no interest taken, and can come in handy. I have gotten a washing machine and big fridge/freezer using no interest installment plans, and over time they’ve saved me even more money by being more energy efficient than the cheaper ones.