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For the non-huge purchases (house, car), if I can't afford to pay for it outright, I don't buy it. I do put as much as possible onto credit cards, to get the short-term interest-free loan and rewards. But I always pay them in full each month. So, this goes for gadgets, computers, patio furniture, appliances, etc.
It helps that I'm in a dual-income household, of course.
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