Depends if you want it now, or save up and get it in X months. There's nothing stopping you putting it on a credit card and paying it off in the 0% bracket (If you have good credit history), This means you will have money coming out your account each month yes, but it's just the same as putting X aside to save for it. As long as you can afford to pay a reasonable amount back per month then there's nothing wrong with using a credit card. I wouldn't use one if it's got a large % on top of it though. Don't go out every weekend, Don't buy clothes all the time, Don't Drink/Smoke if you do