I don't buy luxury (unnecessary) items that are more than my monthly salary. Then, for that segment, I save up 10% of my salary for that. So, it means that if i want to buy a full month's salary I'd have to save up 12 months, which never happens so i usually buy a watch every two years. So... 5% in total if i buy one 10% every two years.
You can even ask for a tax refund, so it's always cheaper to go directly. https://www.serica-watches.com/en/tax-refund-skiptax/
Whenever someone rages out of a discussion after discussing credibility, either you saved yourself from a scam or from living nightmare of a partner who will probably end up scamming you
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