How to buy a flagship smartphone and not give away a lot of money

From year to year, the cost of smartphones, tablets and accessories is growing, which significantly affects the budget of any family. Imagine that you need to buy two smartphones, a tablet, some accessories at the same time, for example, a smart watch, a headset. And here you have to be torn between the desire to purchase the latest devices with maximum performance, comfort of use and a fashion component, or to act rationally and buy models below the level. With the first approach, the family budget begins to experience a serious burden, and with a rational one, the thought gnaws at you that you saved money and ended up not getting what you wanted.

For example, the cost of Samsung Galaxy Note20 Ultra is from 99990 to 119990 rubles, this is the price of only one smartphone without any additional accessories. For many potential buyers, the cost of a smartphone of one hundred thousand rubles becomes a barrier to buying it. It is probably more accurate to say that in the past such a cost became a serious barrier, today buyers have mastered various offers from the manufacturer in order to reduce the cost of purchase. There are several main ways to do this, and it's time to describe them. But first, I want to say that when buying flagships and other equipment, more and more often, buyers do not pay the full cost of the goods, but choose alternative methods, as they are profitable and do not imply a large financial burden at the moment.

What ways to save are there - installment plan, trade-in and Upgrade program

It is conditionally possible to divide people into two large categories, those who are ready to pay the full price for the goods and those who want to be rational, get one or another discount. In the Russian market, a trade-in has proven itself well, when you can return an old device that you no longer need, and in return receive a discount on your purchase. You can also donate not only a smartphone, but several different devices, they will count towards a new acquisition. Trade-in discounts will differ depending on when you purchase the same smartphone. For new products, trade-in has a high level of discounts, for models of the previous season that leave the market, it can be lower. Nowadays, you need to understand the mechanics of various promotions in order to be able to choose the right one that suits you best.

Let's look at the trade-in for the same Note20 Ultra that just went on sale. You can donate any smartphone that you have and don't need. But the discount, most likely, will not impress you. A benefit of up to 58600 rubles is achievable only if you turn in fresh and expensive models, for the majority it will be about 10 thousand rubles, for example, you will be given so much for the Galaxy S9 +, that is, for a two-year-old flagship.

How to buy a flagship smartphone without spending a lot of money

How to buy a flagship smartphone without spending a lot of money

Regardless of which smartphone you rent, you will receive an additional discount of 15,000 rubles for the purchased device, this is an additional discount from the manufacturer. Thus, by handing over the old device, you will receive an average discount of 15% in addition to the residual price of the old smartphone. In my opinion, this is definitely a good offer, a rational way to reduce the cost of a flagship when buying. If we take the same Galaxy S9+ as an example, it turns out that your discount for a trade-in for Note20 Ultra will be 25 thousand rubles, which is already noticeable - 25% of the cost of a brand new flagship. Why not saving? The cost of all models accepted for trade-in is always relevant to the market, so you need to clarify this point when you want to take advantage of such an offer.

How to buy a flagship smartphone without spending a lot of money

But the trade-in is not for everyone, as the cost of the device remains high despite the discount. Here you can consider another method, for example, installments. The Samsung brand store offers different programs, the longest one is 0-0-36, there are also 0-0-12 or 0-0-24. I am sure that this formula is familiar, literally, to everyone. You buy a product for the full price, and pay it in installments within 12, 24 or 36 months. The longer the installment period, the less you pay monthly. For example, Note20 Ultra will cost you 2777.50 rubles per month in installments for 36 months. Multiply 36 months by this amount and you get 99,990 rubles. The manufacturer actually provides you with an interest-free loan for the purchase, and the amount of monthly payments is very comfortable and affordable for most buyers. The pitfall is that it is impossible to combine trade-in and installment for all devices, you should remember this and choose what is more profitable for you. Get a 15% discount and immediately pay the entire cost, or pay for your purchase in installments over a long period. Installment is a good and convenient way to purchase electronics, 1-3 Month Female Purebred German Shepherd There is no need to give away large sums at a time, especially if you need to buy several devices at the same time. As such, there are no installment risks, you need to carefully pay for your purchases, and there will be no problems.

But there is another way that Russian buyers have fallen in love with, as it allows you to save even more, this is a smartphone under the Upgrade program, it allows you to get a device even cheaper, for example, take the same Note20 Ultra in the basic configuration. You get a smartphone without any payments. Then every month you need to pay 4915 rubles, including insurance. The insurance includes a free replacement of the screen and the back of the phone if you break them. Once a year, you can replace the screen or back panel in the service, the reason why you broke it does not matter. For those who drop their device and know such a sin is behind them, this is a great offer.

How to buy a flagship smartphone without spending a lot of money How to buy a flagship smartphone without spending a lot of money

When the Samsung Upgrade program for smartphones first appeared, there was a certain distrust of it, a model too unusual for a buyer. It seemed that people in Russia were not ready for such a service. In practice, everything turned out to be exactly the opposite, Samsung Upgrade is popular, and many buyers choose this particular method. For example, under the Samsung Upgrade program, 40% more people chose the Note20 smartphone of all versions this year than a year earlier. Why?

The answer lies in the fact that you can always get the latest smartphone, there is no need to bother looking for a buyer for an old device, or stocking it at home idle. You just change one smartphone for another, it's done. This approach is close to many, but it scares many people, although there is no difference in using a smartphone, the only question is how you got it, the methods differ. On the other hand, look at how car sharing is developing, this service is somewhat similar to Samsung Upgrade, and therefore both are popular.

In my opinion, the Samsung Upgrade program is a rational way to save on purchases, although the word purchase is not fully applicable here. You get a smartphone that becomes your companion without spending its full price on it. For many people, this has become a rational way to use their funds. A nice little thing is that you can subscribe online, there is no need to go to the store, stand in lines. After you issue a smartphone, you can pick it up at a convenient time in a store or a courier will bring it to your home, including delivery in a city where there are no Samsung branded stores. And remember that insurance is already included here, you can break the device once and it will be repaired for free. For some, this may be an additional motive to purchase a smartphone in this way. Take a look at how Samsung's S20 Upgrade benefit is shown on the Samsung website using installment plan as an example.

How to buy a flagship smartphone without spending a lot of money

We take a calculator and calculate the benefit, as well as the cost of ownership

Describing ways to rationally buy a device always seems like something of a catch, like an ad that has an asterisk in it, and the footnote describes all sorts of ifs that undermine the attractiveness of the offer. Let's take a calculator and calculate together how profitable it is to purchase new products from Samsung, what ways there are for this. Let me first remind you of such a term as cost of ownership, because the more you use the device, the more reasonable your purchase, since the price is ultimately lower. For example, let's take a look at the cost of owning the Note20 Ultra.

< tr>


Note20 Ultra
99990 rubles
Note20 Ultra
119990 rubles< /td>
12 months 8332.5 rubles per month 9999.16 rubles per month
24 months 4166.25 rubles per month 4999.58 rubles per month
36 months< /td> 2777.5 rubles per month 3333.05 rubles per month

It's trite, but many people forget that the longer we use a thing, the more profitable it becomes for us and our budget. Manufacturers are fully aware of this, which is why flagships are made to last as long as possible and provide the maximum level of performance and comfort. The average lifespan of a flagship in Russia is about three years, and it continues to grow. For tablets, this is 4.5 years, the period is also growing. For smartwatches, the period is also about 4.5 years. Both tablets and smart watches, in theory, can be used for a long time, when you change the device, the desire to pamper yourself comes to the fore, what is described as obsolescence of the device. Therefore, many rational buyers act in a strange way at first glance, they purchase flagship products at the maximum cost. The rationale here is that such devices have been working for many years.

Let's look at different situations when buying devices and consider the cost of ownership.

Scenario #1. I change the flagship every year, always a new model

You bought a Samsung Galaxy Note10+ a year ago and now you want to replace it with a Galaxy Note20 Ultra, for example, a basic version that costs 99,990 rubles. Let's take a look at how this can be done.

Cost Galaxy Note10+ was purchased a year ago at a price of 89,990 rubles. The cost of owning this device was 7499 rubles per month for you. In the secondary market, you can sell this device for 35-40 thousand rubles. If you do this at the maximum price, then the cost of ownership will be equal to 4165 rubles per month.

The trade-in of this device will be taken from you for 22,800 rubles, and a discount of 15,000 rubles will also be added. Total 37,800 rubles, which is almost equal to the price in the secondary market, but without the time, effort, bargaining, and the like. It's convenient and most importantly, it's a fair price.

Taking into account the trade-in, it turns out that the price of the novelty for you will be equal to 62,100 rubles, you will receive a 38% discount. In my opinion, this is a good enough offer that can push you to change your smartphone if you want to change the device every year.

Those who registered Note10+ a year ago under the Samsung Upgrade program paid 5,573 rubles per smartphone every month, exchange for a new model without additional payments is possible after 12 months. In total, 66,876 rubles were paid for using the device, that is, 75% of its price. Starting this year, the conditions of the program have changed, now only 50% of their cost will need to be paid for new items. It must be recalled that this includes insurance against a broken case and screen, free replacement of them once a year. The cost of such insurance separately is 8990 rubles.

The 0-0-12 installment cost for Note10+ 7500 rubles a month, you could take it for 24 or 36 months. But we are looking at a person who changes his devices every year. And here it turns out that, having paid 89,990 rubles for the year, you completely redeem the device and again face a trade-in, go to the first method.

For everyone who already has a previous smartphone, it is a trade-in that becomes a reasonable way to change the model to a new one, you get the real market value for the old device, and immediately purchase a new one at a discount. There is another important point that is often overlooked in calculations. In a year, when you buy a new smartphone, you will hand over the current model.

Scenario #2. I want to buy all devices in the Samsung ecosystem

Let's imagine that you decide to update all devices in one fell swoop: watch, tablet, headphones, smartphone. Let's calculate how much such a basket will cost for you:

  • Galaxy Note20 Ultra - 99990 rubles;
  • Galaxy Watch3 45 mm - 34990 rubles;
  • Galaxy Buds Live - 13990 rubles;
  • Galaxy Tab S7+ WiFi - 69990 rubles;

An impressive amount of 218,960 rubles is obtained per circle. If you take these devices in installments, then the monthly payment will be equal to 18246 rubles (12 months), 9123 rubles (24 months), 6082 rubles (36 months). With 0-0-36 installments, the cost of ownership of the entire set of devices turns out to be gentle, it does not look prohibitively high. All of these devices will work quietly for these three years, there are no pitfalls.

Now let's imagine that you have certain old smartphones, other devices that can be used in a trade-in. For a smartphone, this is an additional 15,000 rubles, and when buying a smart watch, this is another 5,000 rubles, and you can trade in different devices. The best way to find out about current trade-in promotions is on the Samsung website here.

Let's imagine again that we have a Note10+, which we trade in, we get a discount on all devices of 42800 rubles (including an additional trade-in for watches). Thus, for all devices we will need to pay 176,160 rubles, which is already better, but still quite a significant amount.

But outside of the brackets, we've left out the possibility that you can turn in multiple devices, such as your old tablet. This can drastically reduce the cost. It is also worth considering combining installment and trade-in, this will be a rational approach.

For example, we will take Note20 Ultra and Galaxy Watch3 using a trade-in, their cost will not be 134,890 rubles, but 92,090 rubles. On their purchase, we saved a third of the price. We will take the remaining two devices in installments, for example, for a tablet it is 0-0-36, since this is correct in terms of its lifespan. And for headphones it will be 0-0-24.

It turns out that we pay 92,090 rubles, and then we pay monthly installments - for a tablet 1945 rubles a month, for headphones 583 rubles. That is, the monthly payment will be 2528 rubles, and in two years it will fall to 1945 rubles (there will be a year left to pay for the tablet). Confused? I hope not.

Above, we considered the purchase of all devices in installments, with 0-0-36 the monthly payment turned out to be 6082 rubles. You may want to reduce this payment in the manner described above when you combine different programs, trade-in and installment.

The methods described above allow you to comfortably buy all the devices in the Samsung ecosystem and at the same time there is no need to immediately pay the full price for them. I hope that the calculations clearly proved and showed this.

Short takeaways on how to buy smart

Regardless of whether you are a rational or emotional person, I think that you are used to counting your money and family budget. Ten years ago, you practically had no choice how to buy equipment, the method was simple and familiar for many years - to save up to the required amount. Today, there are several ways not to do this and at the same time seriously save money. Not enough to buy? Then you can use the trade-in, get more discount. If you want to feel at ease and not buy electronics at full price, you can choose interest-free installments, monthly payments will be low, and almost anyone can afford them. This is also an important point in terms of what you do not need to save, not all people know how to do this. Finally, a great smartphone subscription program where you save money but get the latest device for half the price. It does not belong to you, but do you really need this ownership?

The popularity of installment plans, device subscriptions and trade-ins speaks for itself. Initially, these were alternative ways to purchase electronics, today they have become the main ones for many. And popularity is due to only one factor, the benefit to the person. All you have to do is choose the program that suits you. Happy shopping!

How to buy a flagship smartphone and not give away a lot of money

From year to year, the cost of smartphones, tablets and accessories is growing, which significantly affects the budget of any family. Imagine that you need to buy two smartphones, a tablet, some accessories at the same time, for example, a smart watch, a headset. And here you have to be torn between the desire to purchase the latest devices with maximum performance, comfort of use and a fashion component, or to act rationally and buy models below the level. With the first approach, the family budget begins to experience a serious burden, and with a rational one, the thought gnaws at you that you saved money and ended up not getting what you wanted.

For example, the cost of Samsung Galaxy Note20 Ultra is from 99990 to 119990 rubles, this is the price of only one smartphone without any additional accessories. For many potential buyers, the cost of a smartphone of one hundred thousand rubles becomes a barrier to buying it. It is probably more accurate to say that in the past such a cost became a serious barrier, today buyers have mastered various offers from the manufacturer in order to reduce the cost of purchase. There are several main ways to do this, and it's time to describe them. But first, I want to say that when buying flagships and other equipment, more and more often, buyers do not pay the full cost of the goods, but choose alternative methods, as they are profitable and do not imply a large financial burden at the moment.

What ways to save are there - installment plan, trade-in and Upgrade program

It is conditionally possible to divide people into two large categories, those who are ready to pay the full price for the goods and those who want to be rational, get one or another discount. In the Russian market, a trade-in has proven itself well, when you can return an old device that you no longer need, and in return receive a discount on your purchase. You can also donate not only a smartphone, but several different devices, they will count towards a new acquisition. Trade-in discounts will differ depending on when you purchase the same smartphone. For new products, trade-in has a high level of discounts, for models of the previous season that leave the market, it can be lower. Nowadays, you need to understand the mechanics of various promotions in order to be able to choose the right one that suits you best.

Let's look at the trade-in for the same Note20 Ultra that just went on sale. You can donate any smartphone that you have and don't need. But the discount, most likely, will not impress you. A benefit of up to 58600 rubles is achievable only if you turn in fresh and expensive models, for the majority it will be about 10 thousand rubles, for example, you will be given so much for the Galaxy S9 +, that is, for a two-year-old flagship.

How to buy a flagship smartphone without spending a lot of money

How to buy a flagship smartphone without spending a lot of money

Regardless of which smartphone you rent, you will receive an additional discount of 15,000 rubles for the purchased device, this is an additional discount from the manufacturer. Thus, by handing over the old device, you will receive an average discount of 15% in addition to the residual price of the old smartphone. In my opinion, this is definitely a good offer, a rational way to reduce the cost of a flagship when buying. If we take the same Galaxy S9+ as an example, it turns out that your discount for a trade-in for Note20 Ultra will be 25 thousand rubles, which is already noticeable - 25% of the cost of a brand new flagship. Why not saving? The cost of all models accepted for trade-in is always relevant to the market, so you need to clarify this point when you want to take advantage of such an offer.

How to buy a flagship smartphone without spending a lot of money

But the trade-in is not for everyone, as the cost of the device remains high despite the discount. Here you can consider another method, for example, installments. The Samsung brand store offers different programs, the longest one is 0-0-36, there are also 0-0-12 or 0-0-24. I am sure that this formula is familiar, literally, to everyone. You buy a product for the full price, and pay it in installments within 12, 24 or 36 months. The longer the installment period, the less you pay monthly. For example, Note20 Ultra will cost you 2777.50 rubles per month in installments for 36 months. Multiply 36 months by this amount and you get 99,990 rubles. The manufacturer actually provides you with an interest-free loan for the purchase, and the amount of monthly payments is very comfortable and affordable for most buyers. The pitfall is that it is impossible to combine trade-in and installment for all devices, you should remember this and choose what is more profitable for you. Get a 15% discount and immediately pay the entire cost, or pay for your purchase in installments over a long period. Installment is a good and convenient way to purchase electronics, 1-3 Month Female Purebred German Shepherd There is no need to give away large sums at a time, especially if you need to buy several devices at the same time. As such, there are no installment risks, you need to carefully pay for your purchases, and there will be no problems.

But there is another way that Russian buyers have fallen in love with, as it allows you to save even more, this is a smartphone under the Upgrade program, it allows you to get a device even cheaper, for example, take the same Note20 Ultra in the basic configuration. You get a smartphone without any payments. Then every month you need to pay 4915 rubles, including insurance. The insurance includes a free replacement of the screen and the back of the phone if you break them. Once a year, you can replace the screen or back panel in the service, the reason why you broke it does not matter. For those who drop their device and know such a sin is behind them, this is a great offer.

How to buy a flagship smartphone without spending a lot of money How to buy a flagship smartphone without spending a lot of money

When the Samsung Upgrade program for smartphones first appeared, there was a certain distrust of it, a model too unusual for a buyer. It seemed that in Russia people are not ready for such a service. In practice, everything turned out to be exactly the opposite, Samsung Upgrade is popular, and many buyers choose this particular method. For example, under the Samsung Upgrade program, 40% more people chose the Note20 smartphone of all versions this year than a year earlier. Why?

The answer lies in the fact that you can always get the latest smartphone, there is no need to bother looking for a buyer for an old device, or stocking it at home idle. You just change one smartphone for another, it's done. This approach is close to many, but it scares many people, although there is no difference in using a smartphone, the only question is how you got it, the methods differ. On the other hand, look at how car sharing is developing, this service is somewhat similar to Samsung Upgrade, and therefore both are popular.

In my opinion, the Samsung Upgrade program is a rational way to save on purchases, although the word purchase is not fully applicable here. You get a smartphone that becomes your companion without spending its full price on it. For many people, this has become a rational way to use their funds. A nice little thing is that you can subscribe online, there is no need to go to the store, stand in lines. After you issue a smartphone, you can pick it up at a convenient time in a store or a courier will bring it to your home, including delivery in a city where there are no Samsung branded stores. And remember that insurance is already included here, you can break the device once and it will be repaired for free. For some, this may be an additional motive to purchase a smartphone in this way. Take a look at how Samsung's S20 Upgrade benefit is shown on the Samsung website using installment plan as an example.

How to buy a flagship smartphone without spending a lot of money

We take a calculator and calculate the benefit, as well as the cost of ownership

Describing ways to rationally buy a device always seems like something of a catch, like an ad that has an asterisk in it, and the footnote describes all sorts of ifs that undermine the attractiveness of the offer. Let's take a calculator and calculate together how profitable it is to purchase new products from Samsung, what ways there are for this. Let me first remind you of such a term as cost of ownership, because the more you use the device, the more reasonable your purchase, since the price is ultimately lower. For example, let's take a look at the cost of owning the Note20 Ultra.

< tr>


Note20 Ultra
99990 rubles
Note20 Ultra
119990 rubles< /td>
12 months 8332.5 rubles per month 9999.16 rubles per month
24 months 4166.25 rubles per month 4999.58 rubles per month
36 months< /td> 2777.5 rubles per month 3333.05 rubles per month

It's trite, but many people forget that the longer we use a thing, the more profitable it becomes for us and our budget. Manufacturers are fully aware of this, which is why flagships are made to last as long as possible and provide the maximum level of performance and comfort. The average lifespan of a flagship in Russia is about three years, and it continues to grow. For tablets, this is 4.5 years, the period is also growing. For smart watches, the period is also about 4.5 years. Both tablets and smart watches, in theory, can be used for a long time, when you change the device, the desire to pamper yourself comes to the fore, what is described as obsolescence of the device. Therefore, many rational buyers act in a strange way at first glance, they purchase flagship products at the maximum cost. The rationale here is that such devices have been working for many years.

Let's look at different situations when buying devices and consider the cost of ownership.

Scenario #1. I change the flagship every year, always a new model

You bought a Samsung Galaxy Note10+ a year ago and now you want to replace it with a Galaxy Note20 Ultra, for example, a basic version that costs 99,990 rubles. Let's take a look at how this can be done.

Cost Galaxy Note10+ was purchased a year ago at a price of 89,990 rubles. The cost of owning this device was 7499 rubles per month for you. In the secondary market, you can sell this device for 35-40 thousand rubles. If you do this at the maximum price, then the cost of ownership will be equal to 4165 rubles per month.

The trade-in of this device will be taken from you for 22,800 rubles, and a discount of 15,000 rubles will also be added. Total 37,800 rubles, which is almost equal to the price in the secondary market, but without the time, effort, bargaining, and the like. It's convenient and most importantly, it's a fair price.

Taking into account the trade-in, it turns out that the price of the novelty for you will be equal to 62100 rubles, you will receive a 38% discount. In my opinion, this is a good enough offer that can push you to change your smartphone if you want to change the device every year.

Those who registered Note10+ a year ago under the Samsung Upgrade program paid 5,573 rubles per smartphone every month, exchange for a new model without additional payments is possible after 12 months. In total, 66,876 rubles were paid for using the device, that is, 75% of its price. Starting this year, the conditions of the program have changed, now only 50% of their cost will need to be paid for new items. It must be recalled that this includes insurance against a broken case and screen, free replacement of them once a year. The cost of such insurance separately is 8990 rubles.

The 0-0-12 installment cost for Note10+ 7500 rubles a month, you could take it for 24 or 36 months. But we are looking at a person who changes his devices every year. And here it turns out that, having paid 89,990 rubles for the year, you completely redeem the device and again face a trade-in, go to the first method.

For everyone who already has a previous smartphone, it is a trade-in that becomes a reasonable way to change the model to a new one, you get the real market value for the old device, and immediately purchase a new one at a discount. There is another important point that is often overlooked in calculations. In a year, when you buy a new smartphone, you will hand over the current model.

Scenario #2. I want to buy all devices in the Samsung ecosystem

Let's imagine that you decide to update all devices in one fell swoop: watch, tablet, headphones, smartphone. Let's calculate how much such a basket will cost for you:

  • Galaxy Note20 Ultra - 99990 rubles;
  • Galaxy Watch3 45 mm - 34990 rubles;
  • Galaxy Buds Live - 13990 rubles;
  • Galaxy Tab S7+ WiFi - 69990 rubles;

An impressive amount of 218,960 rubles is obtained per circle. If you take these devices in installments, then the monthly payment will be equal to 18246 rubles (12 months), 9123 rubles (24 months), 6082 rubles (36 months). With 0-0-36 installments, the cost of ownership of the entire set of devices turns out to be gentle, it does not look prohibitively high. All of these devices will work quietly for these three years, there are no pitfalls.

Now let's imagine that you have certain old smartphones, other devices that can be used in a trade-in. For a smartphone, this is an additional 15,000 rubles, and when buying a smart watch, this is another 5,000 rubles, and you can trade in different devices. The best way to find out about current trade-in promotions is on the Samsung website here.

Let's imagine again that we have a Note10+, which we trade in, we get a discount on all devices of 42800 rubles (including an additional trade-in for watches). Thus, for all devices we will need to pay 176,160 rubles, which is already better, but still quite a significant amount.

But outside of the brackets, we've left out the possibility that you can turn in multiple devices, such as your old tablet. This can drastically reduce the cost. It is also worth considering combining installment and trade-in, this will be a rational approach.

For example, we will take Note20 Ultra and Galaxy Watch3 using a trade-in, their cost will not be 134,890 rubles, but 92,090 rubles. On their purchase, we saved a third of the price. We will take the remaining two devices in installments, for example, for a tablet it is 0-0-36, since this is correct in terms of its lifespan. And for headphones it will be 0-0-24.

It turns out that we pay 92,090 rubles, and then we pay monthly installments - for a tablet 1945 rubles a month, for headphones 583 rubles. That is, the monthly payment will be 2528 rubles, and in two years it will fall to 1945 rubles (there will be a year left to pay for the tablet). Confused? I hope not.

Above, we considered the purchase of all devices in installments, with 0-0-36 the monthly payment turned out to be 6082 rubles. You may want to reduce this payment in the manner described above when you combine different programs, trade-in and installment.

The methods described above allow you to comfortably buy all the devices in the Samsung ecosystem and at the same time there is no need to immediately pay the full price for them. I hope that the calculations clearly proved and showed this.

Short takeaways on how to buy smart

Regardless of whether you are a rational or emotional person, I think that you are used to counting your money and family budget. Ten years ago, you practically had no choice how to buy equipment, the method was simple and familiar for many years - to save up to the required amount. Today, there are several ways not to do this and at the same time seriously save money. Not enough to buy? Then you can use the trade-in, get more discount. If you want to feel at ease and not buy electronics at full price, you can choose interest-free installments, monthly payments will be low, and almost anyone can afford them. This is also an important point in terms of what you do not need to save, not all people know how to do this. Finally, a great smartphone subscription program where you save money but get the latest device for half the price. It does not belong to you, but do you really need this ownership?

The popularity of installment plans, device subscriptions and trade-ins speaks for itself. Initially, these were alternative ways to purchase electronics, today they have become the main ones for many. And popularity is due to only one factor, the benefit to the person. All you have to do is choose the program that suits you. Happy shopping!

How to buy a flagship smartphone and not give away a lot of money

From year to year, the cost of smartphones, tablets and accessories is growing, which significantly affects the budget of any family. Imagine that you need to buy two smartphones, a tablet, some accessories at the same time, for example, a smart watch, a headset. And here you have to be torn between the desire to purchase the latest devices with maximum performance, comfort of use and a fashion component, or to act rationally and buy models below the level. With the first approach, the family budget begins to experience a serious burden, and with a rational one, the thought gnaws at you that you saved money and ended up not getting what you wanted.

For example, the cost of Samsung Galaxy Note20 Ultra is from 99990 to 119990 rubles, this is the price of only one smartphone without any additional accessories. For many potential buyers, the cost of a smartphone of one hundred thousand rubles becomes a barrier to buying it. It is probably more accurate to say that in the past such a cost became a serious barrier, today buyers have mastered various offers from the manufacturer in order to reduce the cost of purchase. There are several main ways to do this, and it's time to describe them. But first, I want to say that when buying flagships and other equipment, more and more often, buyers do not pay the full cost of the goods, but choose alternative methods, as they are profitable and do not imply a large financial burden at the moment.

What ways to save are there - installment plan, trade-in and Upgrade program

It is conditionally possible to divide people into two large categories, those who are ready to pay the full price for the goods and those who want to be rational, get one or another discount. In the Russian market, a trade-in has proven itself well, when you can return an old device that you no longer need, and in return receive a discount on your purchase. You can also donate not only a smartphone, but several different devices, they will count towards a new acquisition. Trade-in discounts will differ depending on when you purchase the same smartphone. For new products, trade-in has a high level of discounts, for models of the previous season that leave the market, it can be lower. Nowadays, you need to understand the mechanics of various promotions in order to be able to choose the right one that suits you best.

Let's look at the trade-in for the same Note20 Ultra that just went on sale. You can donate any smartphone that you have and don't need. But the discount, most likely, will not impress you. A benefit of up to 58600 rubles is achievable only if you turn in fresh and expensive models, for the majority it will be about 10 thousand rubles, for example, you will be given so much for the Galaxy S9 +, that is, for a two-year-old flagship.

How to buy a flagship smartphone without spending a lot of money

How to buy a flagship smartphone without spending a lot of money

Regardless of which smartphone you rent, you will receive an additional discount of 15,000 rubles for the purchased device, this is an additional discount from the manufacturer. Thus, by handing over the old device, you will receive an average discount of 15% in addition to the residual price of the old smartphone. In my opinion, this is definitely a good offer, a rational way to reduce the cost of a flagship when buying. If we take the same Galaxy S9+ as an example, it turns out that your discount for a trade-in for Note20 Ultra will be 25 thousand rubles, which is already noticeable - 25% of the cost of a brand new flagship. Why not saving? The cost of all models accepted for trade-in is always relevant to the market, so you need to clarify this point when you want to take advantage of such an offer.

How to buy a flagship smartphone without spending a lot of money

But the trade-in is not for everyone, as the cost of the device remains high despite the discount. Here you can consider another method, for example, installments. The Samsung brand store offers different programs, the longest one is 0-0-36, there are also 0-0-12 or 0-0-24. I am sure that this formula is familiar, literally, to everyone. You buy a product for the full price, and pay it in installments within 12, 24 or 36 months. The longer the installment period, the less you pay monthly. For example, Note20 Ultra will cost you 2777.50 rubles per month in installments for 36 months. Multiply 36 months by this amount and you get 99,990 rubles. The manufacturer actually provides you with an interest-free loan for the purchase, and the amount of monthly payments is very comfortable and affordable for most buyers. The pitfall is that it is impossible to combine trade-in and installment for all devices, you should remember this and choose what is more profitable for you. Get a 15% discount and immediately pay the entire cost, or pay for your purchase in installments over a long period. Installment is a good and convenient way to purchase electronics, 1-3 Month Female Purebred German Shepherd There is no need to give away large sums at a time, especially if you need to buy several devices at the same time. As such, there are no installment risks, you need to carefully pay for your purchases, and there will be no problems.

But there is another way that Russian buyers have fallen in love with, as it allows you to save even more, this is a smartphone under the Upgrade program, it allows you to get a device even cheaper, for example, take the same Note20 Ultra in the basic configuration. You get a smartphone without any payments. Then every month you need to pay 4915 rubles, including insurance. The insurance includes a free replacement of the screen and the back of the phone if you break them. Once a year, you can replace the screen or back panel in the service, the reason why you broke it does not matter. For those who drop their device and know such a sin is behind them, this is a great offer.

How to buy a flagship smartphone without spending a lot of money How to buy a flagship smartphone without spending a lot of money

When the Samsung Upgrade program for smartphones first appeared, there was a certain distrust of it, a model too unusual for a buyer. It seemed that people in Russia were not ready for such a service. In practice, everything turned out to be exactly the opposite, Samsung Upgrade is popular, and many buyers choose this particular method. For example, under the Samsung Upgrade program, 40% more people chose the Note20 smartphone of all versions this year than a year earlier. Why?

The answer lies in the fact that you can always get the latest smartphone, there is no need to bother looking for a buyer for an old device, or stocking it at home idle. You just change one smartphone for another, it's done. This approach is close to many, but it scares many people, although there is no difference in using a smartphone, the only question is how you got it, the methods differ. On the other hand, look at how car sharing is developing, this service is somewhat similar to Samsung Upgrade, and therefore both are popular.

In my opinion, the Samsung Upgrade program is a rational way to save on purchases, although the word purchase is not fully applicable here. You get a smartphone that becomes your companion without spending its full price on it. For many people, this has become a rational way to use their funds. A nice little thing is that you can subscribe online, there is no need to go to the store, stand in lines. After you issue a smartphone, you can pick it up at a convenient time in a store or a courier will bring it to your home, including delivery in a city where there are no Samsung branded stores. And remember that insurance is already included here, you can break the device once and it will be repaired for free. For some, this may be an additional motive to purchase a smartphone in this way. Take a look at how Samsung's S20 Upgrade benefit is shown on the Samsung website using installment plan as an example.

How to buy a flagship smartphone without spending a lot of money

We take a calculator and calculate the benefit, as well as the cost of ownership

Describing ways to rationally buy a device always seems like something of a catch, like an ad that has an asterisk in it, and the footnote describes all sorts of ifs that undermine the attractiveness of the offer. Let's take a calculator and calculate together how profitable it is to purchase new products from Samsung, what ways there are for this. Let me first remind you of such a term as cost of ownership, because the more you use the device, the more reasonable your purchase, since the price is ultimately lower. For example, let's take a look at the cost of owning the Note20 Ultra.

< tr>


Note20 Ultra
99990 rubles
Note20 Ultra
119990 rubles< /td>
12 months 8332.5 rubles per month 9999.16 rubles per month
24 months 4166.25 rubles per month 4999.58 rubles per month
36 months< /td> 2777.5 rubles per month 3333.05 rubles per month

It's trite, but many people forget that the longer we use a thing, the more profitable it becomes for us and our budget. Manufacturers are fully aware of this, which is why flagships are made to last as long as possible and provide the maximum level of performance and comfort. The average lifespan of a flagship in Russia is about three years, and it continues to grow. For tablets, this is 4.5 years, the period is also growing. For smartwatches, the period is also about 4.5 years. Both tablets and smart watches, in theory, can be used for a long time, when you change the device, the desire to pamper yourself comes to the fore, what is described as obsolescence of the device. Therefore, many rational buyers act in a strange way at first glance, they purchase flagship products at the maximum cost. The rationale here is that such devices have been working for many years.

Let's look at different situations when buying devices and consider the cost of ownership.

Scenario #1. I change the flagship every year, always a new model

You bought a Samsung Galaxy Note10+ a year ago and now you want to replace it with a Galaxy Note20 Ultra, for example, a basic version that costs 99,990 rubles. Let's take a look at how this can be done.

Cost Galaxy Note10+ was purchased a year ago at a price of 89,990 rubles. The cost of owning this device was 7499 rubles per month for you. In the secondary market, you can sell this device for 35-40 thousand rubles. If you do this at the maximum price, then the cost of ownership will be equal to 4165 rubles per month.

The trade-in of this device will be taken from you for 22,800 rubles, and a discount of 15,000 rubles will also be added. Total 37,800 rubles, which is almost equal to the price in the secondary market, but without the time, effort, bargaining, and the like. It's convenient and most importantly, it's a fair price.

Taking into account the trade-in, it turns out that the price of the novelty for you will be equal to 62,100 rubles, you will receive a 38% discount. In my opinion, this is a good enough offer that can push you to change your smartphone if you want to change the device every year.

Those who registered Note10+ a year ago under the Samsung Upgrade program paid 5,573 rubles per smartphone every month, exchange for a new model without additional payments is possible after 12 months. In total, 66,876 rubles were paid for using the device, that is, 75% of its price. Starting this year, the conditions of the program have changed, now only 50% of their cost will need to be paid for new items. It must be recalled that this includes insurance against a broken case and screen, free replacement of them once a year. The cost of such insurance separately is 8990 rubles.

The 0-0-12 installment cost for Note10+ 7500 rubles a month, you could take it for 24 or 36 months. But we are looking at a person who changes his devices every year. And here it turns out that, having paid 89,990 rubles for the year, you completely redeem the device and again face a trade-in, go to the first method.

For everyone who already has a previous smartphone, it is a trade-in that becomes a reasonable way to change the model to a new one, you get the real market value for the old device, and immediately purchase a new one at a discount. There is another important point that is often overlooked in calculations. In a year, when you buy a new smartphone, you will hand over the current model.

Scenario #2. I want to buy all devices in the Samsung ecosystem

Let's imagine that you decide to update all devices in one fell swoop: watch, tablet, headphones, smartphone. Let's calculate how much such a basket will cost for you:

  • Galaxy Note20 Ultra - 99990 rubles;
  • Galaxy Watch3 45 mm - 34990 rubles;
  • Galaxy Buds Live - 13990 rubles;
  • Galaxy Tab S7+ WiFi - 69990 rubles;

An impressive amount of 218,960 rubles is obtained per circle. If you take these devices in installments, then the monthly payment will be equal to 18246 rubles (12 months), 9123 rubles (24 months), 6082 rubles (36 months). With 0-0-36 installments, the cost of ownership of the entire set of devices turns out to be gentle, it does not look prohibitively high. All of these devices will work quietly for these three years, there are no pitfalls.

Now let's imagine that you have certain old smartphones, other devices that can be used in a trade-in. For a smartphone, this is an additional 15,000 rubles, and when buying a smart watch, this is another 5,000 rubles, and you can trade in different devices. The best way to find out about current trade-in promotions is on the Samsung website here.

Let's imagine again that we have a Note10+, which we trade in, we get a discount on all devices of 42800 rubles (including an additional trade-in for watches). Thus, for all devices we will need to pay 176,160 rubles, which is already better, but still quite a significant amount.

But outside of the brackets, we've left out the possibility that you can turn in multiple devices, such as your old tablet. This can drastically reduce the cost. It is also worth considering combining installment and trade-in, this will be a rational approach.

For example, we will take Note20 Ultra and Galaxy Watch3 using a trade-in, their cost will not be 134,890 rubles, but 92,090 rubles. On their purchase, we saved a third of the price. We will take the remaining two devices in installments, for example, for a tablet it is 0-0-36, since this is correct in terms of its lifespan. And for headphones it will be 0-0-24.

It turns out that we pay 92,090 rubles, and then we pay monthly installments - for a tablet 1945 rubles a month, for headphones 583 rubles. That is, the monthly payment will be 2528 rubles, and in two years it will fall to 1945 rubles (there will be a year left to pay for the tablet). Confused? I hope not.

Above, we considered the purchase of all devices in installments, with 0-0-36 the monthly payment turned out to be 6082 rubles. You may want to reduce this payment in the manner described above when you combine different programs, trade-in and installment.

The methods described above allow you to comfortably buy all the devices in the Samsung ecosystem and at the same time there is no need to immediately pay the full price for them. I hope that the calculations clearly proved and showed this.

Short takeaways on how to buy smart

Regardless of whether you are a rational or emotional person, I think that you are used to counting your money and family budget. Ten years ago, you practically had no choice how to buy equipment, the method was simple and familiar for many years - to save up to the required amount. Today, there are several ways not to do this and at the same time seriously save money. Not enough to buy? Then you can use the trade-in, get more discount. If you want to feel at ease and not buy electronics at full price, you can choose interest-free installments, monthly payments will be low, and almost anyone can afford them. This is also an important point in terms of what you do not need to save, not all people know how to do this. Finally, a great smartphone subscription program where you save money but get the latest device for half the price. It does not belong to you, but do you really need this ownership?

The popularity of installment plans, device subscriptions and trade-ins speaks for itself. Initially, these were alternative ways to purchase electronics, today they have become the main ones for many. And popularity is due to only one factor, the benefit to the person. All you have to do is choose the program that suits you. Happy shopping!

How to buy a flagship smartphone and not give away a lot of money

From year to year, the cost of smartphones, tablets and accessories is growing, which significantly affects the budget of any family. Imagine that you need to buy two smartphones, a tablet, some accessories at the same time, for example, a smart watch, a headset. And here you have to be torn between the desire to purchase the latest devices with maximum performance, comfort of use and a fashion component, or to act rationally and buy models below the level. With the first approach, the family budget begins to experience a serious burden, and with a rational one, the thought gnaws at you that you saved money and ended up not getting what you wanted.

For example, the cost of Samsung Galaxy Note20 Ultra is from 99990 to 119990 rubles, this is the price of only one smartphone without any additional accessories. For many potential buyers, the cost of a smartphone of one hundred thousand rubles becomes a barrier to buying it. It is probably more accurate to say that in the past such a cost became a serious barrier, today buyers have mastered various offers from the manufacturer in order to reduce the cost of purchase. There are several main ways to do this, and it's time to describe them. But first, I want to say that when buying flagships and other equipment, more and more often, buyers do not pay the full cost of the goods, but choose alternative methods, as they are profitable and do not imply a large financial burden at the moment.

What ways to save are there - installment plan, trade-in and Upgrade program

It is conditionally possible to divide people into two large categories, those who are ready to pay the full price for the goods and those who want to be rational, get one or another discount. In the Russian market, a trade-in has proven itself well, when you can return an old device that you no longer need, and in return receive a discount on your purchase. You can also donate not only a smartphone, but several different devices, they will count towards a new acquisition. Trade-in discounts will differ depending on when you purchase the same smartphone. For new products, trade-in has a high level of discounts, for models of the previous season that leave the market, it can be lower. Nowadays, you need to understand the mechanics of various promotions in order to be able to choose the right one that suits you best.

Let's look at the trade-in for the same Note20 Ultra that just went on sale. You can donate any smartphone that you have and don't need. But the discount, most likely, will not impress you. A benefit of up to 58600 rubles is achievable only if you turn in fresh and expensive models, for the majority it will be about 10 thousand rubles, for example, you will be given so much for the Galaxy S9 +, that is, for a two-year-old flagship.

Regardless of which smartphone you rent, you will receive an additional discount of 15,000 rubles for the purchased device, this is an additional discount from the manufacturer. Thus, by handing over the old device, you will receive an average discount of 15% in addition to the residual price of the old smartphone. In my opinion, this is definitely a good offer, a rational way to reduce the cost of a flagship when buying. If we take the same Galaxy S9+ as an example, it turns out that your discount for a trade-in for Note20 Ultra will be 25 thousand rubles, which is already noticeable - 25% of the cost of a brand new flagship. Why not saving? The cost of all models accepted for trade-in is always relevant to the market, so you need to clarify this point when you want to take advantage of such an offer.

But the trade-in is not for everyone, as the cost of the device remains high despite the discount. Here you can consider another method, for example, installments. The Samsung brand store offers different programs, the longest one is 0-0-36, there are also 0-0-12 or 0-0-24. I am sure that this formula is familiar, literally, to everyone. You buy a product for the full price, and pay it in installments within 12, 24 or 36 months. The longer the installment period, the less you pay monthly. For example, Note20 Ultra will cost you 2777.50 rubles per month in installments for 36 months. Multiply 36 months by this amount and you get 99,990 rubles. The manufacturer actually provides you with an interest-free loan for the purchase, and the amount of monthly payments is very comfortable and affordable for most buyers. The pitfall is that it is impossible to combine trade-in and installment for all devices, you should remember this and choose what is more profitable for you. Get a 15% discount and immediately pay the entire cost, or pay for your purchase in installments over a long period. Installment is a good and convenient way to buy electronics, 1-3 Month Female Purebred German Shepherd does not need to pay large sums at the moment, especially if you need to buy several devices at the same time. As such, there are no installment risks, you need to carefully pay for your purchases, and there will be no problems.

But trade-in is not suitable for everyone, as the cost of the device remains high, despite the discount. Here you can consider another method, for example, installments. The Samsung brand store offers different programs, the longest one is 0-0-36, there are also 0-0-12 or 0-0-24. I am sure that this formula is familiar, literally, to everyone. You buy a product for the full price, and pay it in installments within 12, 24 or 36 months. The longer the installment period, the less you pay monthly. For example, Note20 Ultra will cost you 2777.50 rubles per month in installments for 36 months. Multiply 36 months by this amount and you get 99,990 rubles. The manufacturer actually provides you with an interest-free loan for the purchase, and the amount of monthly payments is very comfortable and affordable for most buyers. The pitfall is that it is impossible to combine trade-in and installment for all devices, you should remember this and choose what is more profitable for you. Get a 15% discount and immediately pay the entire cost, or pay for your purchase in installments over a long period. Installment is a good and convenient way to purchase electronics, 1-3 Month Female Purebred German Shepherd 1-3 Month Female Purebred German Shepherd there is no need to give away large sums at the moment, especially if you need to buy several devices at the same time. As such, there are no installment risks, you need to carefully pay for your purchases, and there will be no problems.

But there is another way that Russian buyers have fallen in love with, as it allows you to save even more, this is a smartphone under the Upgrade program, it allows you to get a device even cheaper, for example, take the same Note20 Ultra in the basic configuration. You get a smartphone without any payments. Then every month you need to pay 4915 rubles, including insurance. The insurance includes a free replacement of the screen and the back of the phone if you break them. Once a year, you can replace the screen or back panel in the service, the reason why you broke it does not matter. For those who drop their device and know such a sin is behind them, this is a great offer.

When the Samsung Upgrade program for smartphones first appeared, there was a certain distrust of it, a model too unusual for a buyer. It seemed that people in Russia were not ready for such a service. In practice, everything turned out to be exactly the opposite, Samsung Upgrade is popular, and many buyers choose this particular method. For example, under the Samsung Upgrade program, 40% more people chose the Note20 smartphone of all versions this year than a year earlier. Why?

The answer lies in the fact that you can always get the latest smartphone, there is no need to bother looking for a buyer for an old device, or stocking it at home idle. You just change one smartphone for another, it's done. This approach is close to many, but it scares many people, although there is no difference in using a smartphone, the only question is how you got it, the methods differ. On the other hand, look at how car sharing is developing, this service is somewhat similar to Samsung Upgrade, and therefore both are popular.

In my opinion, the Samsung Upgrade program is a rational way to save on purchases, although the word purchase is not fully applicable here. You get a smartphone that becomes your companion without spending its full price on it. For many people, this has become a rational way to use their funds. A nice little thing is that you can subscribe online, there is no need to go to the store, stand in lines. After you issue a smartphone, you can pick it up at a convenient time in a store or a courier will bring it to your home, including delivery in a city where there are no Samsung branded stores. And remember that insurance is already included here, you can break the device once and it will be repaired for free. For some, this may be an additional motive to purchase a smartphone in this way. Take a look at how Samsung's S20 Upgrade benefit is shown on the Samsung website using installment plan as an example.

We take a calculator and calculate the benefit, as well as the cost of ownership

Describing ways to rationally buy a device always seems like something of a catch, like an ad that has an asterisk in it, and the footnote describes all sorts of ifs that undermine the attractiveness of the offer. Let's take a calculator and calculate together how profitable it is to purchase new products from Samsung, what ways there are for this. Let me first remind you of such a term as cost of ownership, because the more you use the device, the more reasonable your purchase, since the price is ultimately lower. For example, let's take a look at the cost of owning the Note20 Ultra.

Note20 Ultra RUB 99,990 Note20 Ultra RUB 119,990 12 months RUB 8,332.5 per month RUB 9,999.16 per month 24 months RUB 4,166.25 per month RUB 4,999.58 per month 36 months RUB 2,777.5 per month 3,333.05 rubles per month

It's trite, but many people forget that the longer we use a thing, the more profitable it becomes for us and our budget. Manufacturers are fully aware of this, which is why flagships are made to last as long as possible and provide the maximum level of performance and comfort. The average lifespan of a flagship in Russia is about three years, and it continues to grow. For tablets, this is 4.5 years, the period is also growing. For smartwatches, the period is also about 4.5 years. Both tablets and smart watches, in theory, can be used for a long time, when you change the device, the desire to pamper yourself comes to the fore, what is described as obsolescence of the device. Therefore, many rational buyers act in a strange way at first glance, they purchase flagship products at the maximum cost. The rationale here is that such devices have been working for many years.

Let's look at different situations when buying devices and consider the cost of ownership.

Scenario #1. I change the flagship every year, always a new model

You bought a Samsung Galaxy Note10+ a year ago and now you want to replace it with a Galaxy Note20 Ultra, for example, a basic version that costs 99,990 rubles. Let's take a look at how this can be done.

Cost Galaxy Note10+ was purchased a year ago at a price of 89,990 rubles. The cost of owning this device was 7499 rubles per month for you. In the secondary market, you can sell this device for 35-40 thousand rubles. If you do this at the maximum price, then the cost of ownership will be equal to 4165 rubles per month.

The trade-in of this device will be taken from you for 22,800 rubles, and a discount of 15,000 rubles will also be added. Total 37,800 rubles, which is almost equal to the price in the secondary market, but without the time, effort, bargaining, and the like. It's convenient and most importantly, it's a fair price.

Taking into account the trade-in, it turns out that the price of the novelty for you will be equal to 62100 rubles, you will receive a 38% discount. In my opinion, this is a good enough offer that can push you to change your smartphone if you want to change the device every year.

Those who registered Note10+ a year ago under the Samsung Upgrade program paid 5,573 rubles per smartphone every month, exchange for a new model without additional payments is possible after 12 months. In total, 66,876 rubles were paid for using the device, that is, 75% of its price. Starting this year, the conditions of the program have changed, now only 50% of their cost will need to be paid for new items. It must be recalled that insurance against a broken case and screen is included here, their free replacement once a year. The cost of such insurance separately is 8990 rubles.

The 0-0-12 installment cost for Note10+ 7500 rubles a month, you could take it for 24 or 36 months. But we are looking at a person who changes his devices every year. And here it turns out that, having paid 89,990 rubles for the year, you completely redeem the device and again face a trade-in, go to the first method.

For everyone who already has a previous smartphone, it is a trade-in that becomes a reasonable way to change the model to a new one, you get the real market value for the old device, and immediately purchase a new one at a discount. There is another important point that is often overlooked in calculations. In a year, when you buy a new smartphone, you will hand over the current model.

Scenario #2. I want to buy all devices in the Samsung ecosystem

Let's imagine that you decide to update all devices in one fell swoop: watch, tablet, headphones, smartphone. Let's calculate how much such a basket will cost for you:

  • Galaxy Note20 Ultra - 99990 rubles;
  • Galaxy Watch3 45 mm - 34990 rubles;
  • Galaxy Buds Live - 13990 rubles;
  • Galaxy Tab S7+ WiFi - 69990 rubles;

An impressive amount of 218,960 rubles is obtained per circle. If you take these devices in installments, then the monthly payment will be equal to 18246 rubles (12 months), 9123 rubles (24 months), 6082 rubles (36 months). With 0-0-36 installments, the cost of ownership of the entire set of devices turns out to be gentle, it does not look prohibitively high. All of these devices will work quietly for these three years, there are no pitfalls.

Now let's imagine that you have certain old smartphones, other devices that can be used in a trade-in. For a smartphone, this is an additional 15,000 rubles, and when buying a smart watch, this is another 5,000 rubles, and you can trade in different devices. The best way to find out about current trade-in promotions is on the Samsung website here.

Let's imagine again that we have a Note10+, which we trade in, we get a discount on all devices of 42800 rubles (including an additional trade-in for watches). Thus, for all devices we will need to pay 176,160 rubles, which is already better, but still quite a significant amount.

But outside of the brackets, we've left out the possibility that you can turn in multiple devices, such as your old tablet. This can drastically reduce the cost. It is also worth considering combining installment and trade-in, this will be a rational approach.

For example, we will take Note20 Ultra and Galaxy Watch3 using a trade-in, their cost will not be 134,890 rubles, but 92,090 rubles. On their purchase, we saved a third of the price. We will take the remaining two devices in installments, for example, for a tablet it is 0-0-36, since this is correct in terms of its lifespan. And for headphones it will be 0-0-24.

It turns out that we pay 92,090 rubles, and then we pay monthly installments - for a tablet 1945 rubles a month, for headphones 583 rubles. That is, the monthly payment will be 2528 rubles, and in two years it will fall to 1945 rubles (there will be a year left to pay for the tablet). Confused? I hope not.

Above, we considered the purchase of all devices in installments, with 0-0-36 the monthly payment turned out to be 6082 rubles. You may want to reduce this payment in the manner described above when you combine different programs, trade-in and installment.

The methods described above allow you to comfortably buy all the devices in the Samsung ecosystem and at the same time there is no need to immediately pay the full price for them. I hope that the calculations clearly proved and showed this.

Short takeaways on how to buy smart

Regardless of whether you are a rational or emotional person, I think that you are used to counting your money and family budget. Ten years ago, you practically had no choice how to buy equipment, the method was simple and familiar for many years - to save up to the required amount. Today, there are several ways not to do this and at the same time seriously save money. Not enough to buy? Then you can use the trade-in, get more discount. If you want to feel at ease and not buy electronics at full price, you can choose interest-free installments, monthly payments will be low, and almost anyone can afford them. This is also an important point in terms of what you do not need to save, not all people know how to do this. Finally, a great smartphone subscription program where you save money but get the latest device for half the price. It does not belong to you, but do you really need this ownership?

The popularity of installment plans, device subscriptions and trade-ins speaks for itself. Initially, these were alternative ways to purchase electronics, today they have become the main ones for many. And popularity is due to only one factor, the benefit to the person. All you have to do is choose the program that suits you. Happy shopping!