After third day you will have Rs.2 in your account (3+3-4). So your account will gain Rs.2 every 3rd day.

Thus you would have reached Rs. 60 in (60/2)*3 = 90 days, but important thing to notice is that you are withdrawing Rs. 4 on every third day so your balance will reach Rs.60 mark earlier than that.

So, if we observe we will reach (60-6)=Rs.54 in (54/2)*3=81 days, and as you will deposit Rs.6 in next two days, you will reach Rs.60 in 83days.

Lets say initial price is X rs, price after 10% discount will be.

X – X*10/100 = 90X/100, final price is 9/10th of initial price.

Thus price after 10 times discount of 10% over and over will be X(9/10)^10 = 0.3486X.

While price after 65% discount will be 0.35X.

Thus it will be more beneficial to choose Second scheme.