I got two plans, one is if I have to put it on credit card then I can't afford it. I wait until I Saved a predetermined amount from my cash only work plus what I can save from my budget $100 to $200 a month assuming nothing needs fixing or replacing. A thin margin thanks to huge tax increases over the last three years. My alter ego, the Bloody Raven, may quash that plan at any time when she says, "Belay that order!"