Would you split a laptop into instalments if you already had the cash?

The checkout showed $780, then a second button: four payments of $195. My partner pointed to it and said, "Why empty your savings when the advertised interest is zero?"

My old laptop still works, but the hinge needs propping up and I use it every evening for a course. I have $1,400 saved beyond money for this month's bills. Paying the full price would leave $620. The instalment screen says the first payment is today and the other three are two weeks apart. I haven't opened the full terms yet.

I would earn enough during those six weeks to cover the later payments if my normal shifts continue. Still, I can already picture looking at the remaining cash and feeling richer than I am. My partner thinks that's a discipline issue, not a reason to turn down a useful payment option.

There is also a cheaper $510 model that meets the course's listed requirements; I prefer the $780 one's screen and keyboard. So I'm unsure whether I'm choosing how to pay or using the smaller checkout number to avoid choosing the cheaper machine. How would you separate those two decisions?