simple two questions to ask before purchase:
(1)do i need it
(2)can i afford it
if you dither on anyone then you don`t buy the item.I`ve been using this for years and it works like a charm.
Live whin your means i.e. if you borrow with an interest rate of 10% then you can only spend 90p of every pound you spend,the 10p is the lenders profit.
Borrow money,you pay interest
Money saved,you get interest