The above is good advice. Years ago my wife and I used to think we wanted something, but the more time went by the less we found we needed it. Often by the time we had the money available (forget charging it) we really didn't care anymore. After a while it became something of a family joke.
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Before credit cards, the availability/unavailability of cash worked the same way. The things people "needed" sometimes turned out to be not so necessary when the money to buy had been saved. Or something else like a new roof took precedence. Not the case now.
I have "shooter's remorse". The firearm I see myself shooting is more prone to stay in the safe while I'm taking care of life's demands. Every addition merely attenuates the anticipated pleasure of shooting the ones previously purchased. And I don't own nearly the number some people have. Other than as an investment, the concept of a large safe stuffed with iron that rarely, if ever, gets used is puzzling to me.