From last night until this morning (September 13), surely many iFans in particular and technology enthusiasts in general could not sit still because of the launch event of Apple’s new product called “Wonderlust”.
During this event, the apple brand launched 4 products: iPhone 15, iPhone 15 Plus, iPhone 15 Pro and iPhone 15 Pro Max.
According to information published by Apple Store Vietnam, the cost of “picking up” the iPhone 15 ranges from 22.99 million VND (iPhone 15 128 GB version) to 46.99 million VND (iPhone 15 Pro Max 1TB version).
If you don’t have a husband to implicitly send the message “I don’t need anything, just an iPhone 15”, the issue that many women are most concerned about right now is probably: With only salary income, can you afford it? Strong enough to pick up iPhone 15?
Need a spending and saving plan to buy an iPhone 15?
Depending on each individual’s income level, this concern will have many different solutions.
Try this quick calculation:
– Rental costs and service fees (electricity, water, network): ~ 3 million – 3.5 million/person.
– Food costs: 450,000 VND (in case you eat instant noodles 3 meals/day throughout the month) – 1.5 million (in case you cook for yourself, say no to eating out).
– Travel and gasoline expenses: Let’s say it’s 300,000 VND/month.
From these numbers, it can be seen that the minimum living expenses that a person needs to spend will range from 3.7 million – 5.3 million/month.
If you buy an iPhone 15 at the lowest price of 22.99 million VND with 0% interest installment payment for 12 months, each month you will have to spend nearly 1.9 million VND.
Now try to see if you can “take home an iPhone 15” if you only rely on salary income!
1. Income less than 8 million VND/month
Eliminate all milk tea, outside food, coffee gatherings with friends or online shopping, with an income of 8 million/month, after deducting all basic living expenses and iPhone installment payments. 15, your monthly balance will fluctuate between 800,000 VND – 2.4 million VND.
The question now is whether you are sure you can eat instant noodles all month and say no to online shopping?
Even if the answer is yes, our advice is still: Just look at it to get motivated to plow and save, don’t buy an iPhone 15 right now because with such a surplus, if you are unlucky and get sick. or need to worry about weddings and weddings, the financial burden each month will not be small!
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2. Monthly income from 10-15 million VND
With this level of income, each month you can have 2.8 million VND – 9 million VND left over if you ensure living expenses are kept to a minimum and completely say no to outside food or online shopping.
This is a fairly safe number, enough for you to buy an iPhone 15 in installments at the cheapest price, and at the same time have a “safety” amount in case of an unfortunate illness or something unexpected happens.
Our advice: You can buy iPhone 15 by installments over 12 months or even 6 months, but don’t forget to minimize costs that can be cut such as eating out and online shopping!
3. Monthly income from 20-25 million VND
Allow yourself a sigh of relief if your income is at this level and there is absolutely no debt on your shoulders.
With an income of 20-25 million VND/month, after deducting all mandatory expenses, the balance in your account is probably still 7-8 digits.
Our advice: You can buy iPhone 15 in Plus, Pro, Promax versions with average capacity in installments for 6-12 months.
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Conclude
No matter what range your current monthly income is fluctuating in, hopefully you won’t forget the truth: 2023 is a difficult economic year and a wave of layoffs is taking place globally, not just What Vietnam?
Whether or not to buy an iPhone 15 right now is ultimately your personal choice that no one can stop.
