Quoted from Zampinator:Save up & pay cash, it's a rewarding way to live life. Make that monthly payment into a savings account or an envelope.
Buy & selling pins is fun also, trading up & down! Before you know it your owning the $5000 pin you want & you paid for it gradually, interest free & got to enjoy several titles along the way!
That's how I do it now, I used to have loans and credit cards for everything I bought, and I quickly realized that's not the best road to travel.
I also fixed up some pins along the way so I could "trade-up". I recently purchased a NIB using that method.