One question I ask myself before every purchase is whether or not I can afford something. Sometimes you might be tempted to buy something, but first you might want to consider whether you can afford it or not. Spending more money than you have is not always such a good idea as you have to pay interest on any loan you take. Even if you do not need to make any payments for the first few months, then ultimately you will still need to pay some interest. If you bough something with the money that you have, then it would simply cost you less than if you buy it with a credit card or by taking a loan.