A lot of times, people have to make taxing decisions about what they can buy & what can wait until some other time.
I have always been in that situation.
I have never had much extra cash at the end of each week, & I often had to turn to debit cards to get through life. I have not used credit to buy anything since I bought my used automobile about 6 years ago, though. I now have a salary & a side hustle that allow myself and others to live within my means most of the time. In fact, I am paying off the debt now. Now that I have a fantastic 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 up-to-date tires, however also, when the a/c broke in the car, I lived without it. I had no a/c in my automobile for more than four years, & living without the a/c was miserable, let myself and others tell you. Also, doing preventive service was scarce back in those days, but when the Heating and Air Conditioning in the house went out, both of us would call in the heating & cooling service supplier, & they would always request both of us purchase a heating & cooling annual service contract, however both of us never had the cash. Now, because I assume that Heating and Air Conditioning service is wise, I have that yearly Heating and Air Conditioning tune-up agreement. I have a little extra cash & I choose to spend a little of it to make sure that the heating & cooling is well diagnosed. It is less likely to malfunction this way, & those 100 degree days can be combated with my smoothly running a/c. If the a/c should happen to cut down 1 afternoon, the Heating and Air Conditioning agreement also allows myself and others to have first chance when it comes to service calls.