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Oct 29, 2027 – You already know that there is absolutely no substitute for cold hard cash, but someone could try to convince you that credit is just as good today. Don't listen! You should not buy something that you can't afford. Your financial situation is somewhat unpredictable. Even if there is a huge savings incentive now, buying on credit is not the answer. You will end up paying much more for this item. If a friend is continually pushing you to live beyond your means, reevaluate the friendship.