In with those saying pay later is not financially healthy. I can’t think of a single circumstance under which it could possibly improve anyone’s financial health. If it’s that small an amount and you can’t pay now, you should probably skip the purchase and put that savings account to use. It is solely a tool to increase people’s willingness to pay.
The savings account is a nice chaser, though. Will be interesting if they don’t move rates up soon after the fed increase. If the fed had decreased I bet that rate would have come down instantly, haha. I have savings with Betterment… they moved from 4.35 to 4.5 right after the announcement (to take effect starting next week). There are better options out there but Apple’s ease of use is hard to beat, as usual.