I mean... (while not reading all the other posts) just set urself up with a bugdeted style payment system (not BUGDET) for ur goods. Like me... live within ur means. I mean I dont kno what u do or all that, but me being a poor Ohioian, it comes naturallyUse that card for the purchases ud rather not, or cannot, pay cash for. i.e. car insurance.
And... as Jimmy said above, u can just take out a loan, dont use that bish, just have that money, through it in a savings (so u can build at least a lil interest, credit union baby!!) then just pay that loan back with the money u've taken from that loan company. Thats what I'ma do, I'm pissed that one of my friends can get a new Civic for 239 a month cuz her old ass grandpa has like a 900 or somethin on credit and me, I have to deal with $400 a month!
But just live within ur means, is basically all I'm sayin. This may be another WTF are u talkin bout posts, but thats meI do that ish quite often.