Soldato
The problem with credit is that once you've taken home that £2000 PC and the excitement has worn off, there's far less motivation to put aside that £200 a month to pay it off, hence why so many people get into debt. On the other hand, saving that £200 a month until you can AFFORD it, means that once you hand the money over, you get your reward to enjoy and never have to think about the cost anymore. There's far too many people going for buy it now pay later who realistically cannot afford the luxuries they think they should have.