My point here is; i'm quite confident that the Pandoras biggest deterrent is the big price tag. If the Pandora distributors are able to enforce a plan like structure (probably better by default) so people are paying about 50 Australian dollars a month, (sorry i couldn't be bothered converting to Euro or US dollars) they'll have the device paid off in one year and they won't be so put off by the price tag.
Get a
cookie pickle jar put your 50 dollars into it every month, after 12 months you can buy a pandora.
But what about interest rate, Pickle? I want my 3 bucks interest so that I can get another jar of pickle.
BTW, are you British, I think Branston pickles are way superior than my Australian pickles.