This isn't a good sub to justify irresponsible financial decisions with.

What you're experiencing is a common desire, and the reason so many people struggle with debt.

However, all you will do is defer another problem to later - that is, how do you upgrade your now outdated iPad while you're still paying off the old one?

There's no winning here, and I'd suggest that if you earn 4K/month and you aren't able to save $1k, you don't deserve an iPad. At best, you're paying more money than necessary. At worst, you'll be stuck in a bad cycle.

Buy a paper pad and some nice pens/pencils.

Mangutang kana lang sa sa mga kakilala mo if may may mag papautang sayo then i Cash mo nalang don mo nalang hulugan sa inutangan mo, Promise mas malaki matitipid mo. Brand New na!