I've read that many of you go on bans to catch up on bills or to save for next thing on wishlist. What is the longest time you saved before taking the plunge? IMO I like to save for a large portion, charge the balance, and then pay out while you have the item. If you put down a nice amount, it will keep payments lower. Giving up stuff (manicures, shoes, take-out food) for several months really helps!