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Living in HSR Layout, Bangalore, he had already started planning his Diwali expenses when he began thinking about the purchase.\u003C/p>\u003Cp>He had around 60% of the money he needed for the phone saved. The rest, however, meant balancing the gift with his other festive expenses.\u003C/p>\u003Cp>\u003Ci>“I had already saved a good part of the amount. I just needed to figure out how to manage the remaining amount without disturbing my Diwali budget.”\u003C/i>\u003C/p>\u003Ch3>Planning the Gift Around Diwali\u003C/h3>\u003Cp>Mr. Bajaj had been keeping an eye on the iPhone 18 release date and its expected availability in India. He was also checking the iPhone 18 price and looking at festive offers before deciding when to make the purchase.\u003C/p>\u003Cp>With the Apple festive season sale and different Diwali sale offers around, he knew there could be opportunities to get the phone at a better price. But getting a good deal was only one part of the decision. He also wanted to be comfortable with how he would pay for it.\u003C/p>\u003Cp>One option he considered was Buy Now, Pay Later. But he didn't want a festive gift to become another monthly commitment.\u003C/p>\u003Cp>\u003Ci>“I didn't want to buy the phone now and then keep thinking about the payments for the next few months. I wanted something that would fit into my existing plans.”\u003C/i>\u003C/p>\u003Cp>That's when he remembered something his cousin had told him about Viva Money.\u003C/p>\u003Ch4>A Different Way to Manage the Remaining Amount\u003C/h4>\u003Cp>His cousin had mentioned Viva Money when they were discussing ways to manage short-term expenses. So, instead of going ahead with BNPL, Mr. Bajaj decided to explore it.\u003C/p>\u003Cp>What caught his attention was the grace period.\u003C/p>\u003Cp>Since he was expecting his salary the following month, he felt the timing could work well for him. 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