history: After saving for months, finally i am able to buy a new smartphone. After saving for several month and cutting on spending_comma_ I have now saved enough to buy an iPhone X without any debt or credit Good_comma_ credit and debt are bad things.
current: Indeed. I do not want to waste my money on paying interest. It feels like paying for nothing in return
next: What you are saying is true. Me too, I hate paying fpr interests.