A lot of breeders also are not going to do payment plans unless your snake is at least 1k. Another thing is this is not an investment that you are going to see quick returns, it is going to take multiple years and a lot more money. These are all just positive things, what if your big investment god forbid gets sick and dies then you bought something you couldn't afford and now you have nothing to show for it. If it were me I would just save up until you can buy whatever you want comfortably that way, who knows they might even come down in price by the time you get the money and you will have some left overs. I just see a lot of people "overspend" on stuff they cant afford "new cars" new houses, new snakes ext. and to me it seems like the "scenarios" they work out in there head about money and payments are always if everything goes perfectly. If you do decided to spend what you don't have just make sure you look at it in the "worst possible scenario" that could happen and if its still appealing go for it.