I was curious and looked at the OP's post in the authentication thread... holy schmoly she actually is talking about a VERNIS speedy... but I have never heard this existed, and would be very surprised if it turns out to be authentic.
http://forum.purseblog.com/attachment.php?attachmentid=1528185&d=1321877880
To answer the OP's question though, I wouldn't go so far as to be in credit card debt for more than a couple months.. I'd probably sell off some of what I do own to gain the new-something-desired. If owning something stresses you out financially, then it's not worth it. Good luck with the authentication!