I find these posts very interesting, when speaking to investors and accountants they explained it to me like this:
Saving £3,000 in the bank over 12 months would give at best 3% interest giving £90 - Money in bank after 12 months £3,090
Paying £3,000 for £300 4 weekly over 12 months would get 30% giving £900 - Money in bank after 12 months £3,900
This of course doesn't take into account the costs involved but I thought was a very interesting way of looking at this.........