I meet people from time to time who buy everything on credit. They got used to doing it so much that they think that this is the only way they can shop. Of course, those people are in debt and they spend the money they do not have. I would like to suggest another approach here. Before you buy anything, even if this is something that you want very much, ask yourself if you can really afford it. If you know that you cannot really afford it, do yourself a favor and do not buy that item. Not buying it can motivate you to try and save some money next month to be able to get that item.