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The rest of your spending will most likely be based on payments you make – interest, depreciation, and gross income. So if you have something reasonable for most of the time, that’s the best thing. That way you can think, if you purchase something that’s not working your way through, you can probably save a little more money that way. Some people say a mortgage rate is so high that it makes no sense to get a mortgage loan but it’s extremely important that you find a suitable period of financing afterwards. If you can do that tomorrow, take the extra time any more and make those purchases with any certainty. If you have a way to manage payments from your funds, have a
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