A lot of times, people have to make hard decisions about what they can buy and what can wait until some other time. I have always been in that situation. I have never had much extra money at the end of each week, and I often had to turn to ATM cards to get through life. I have not used credit to buy anything since I bought our used car about six years ago, though. I now have a salary and a side hustle that allow me to live within our means most of the time. In fact, I am paying off the debt now. Now that I have a great amount of income, I also don’t have to put off things I used to have to do without. For example, tires on the car. In the past, I would have to wait until I had a blowout before I could get new tires, then also, when the A/C device broke in the car, I lived without it. I had no A/C device in our car for various years, and living without the A/C was angry, let me tell you. Also, doing preventive maintenance was precious back in those afternoons. When the Heating and A/C in the beach house went out, we would call in the heating and cooling repair company, and they would always recommend we purchase a heating and cooling annual repair contract, but we never had the money. Now, because I guess that Heating and A/C maintenance is wise, I have that yearly Heating and A/C tune-up agreement. I have a little extra money and I choose to spend a little of it to make sure that the heating and cooling is well took care of. It is less likely to malfunction this way, and those 100 degree afternoons can be combated with our smoothly running A/C unit. If the A/C device should happen to split down one afternoon, the Heating and A/C agreement also allows me to have first pick when it comes to repair calls.