Cash is the only way I pay for any big ticket items. There is no point paying off a loan. Because if you can't pay the payment you get repo'd. You lose the money you payed toward the loan and the item. Just save money for what you want.
Everyday you wake up you have been given 24 hours. What you do with those hours determines how rich you will become. The rich work the hours you don't see.
Great Book: "Think and Grow Rich"