If you need a loan, you want the lowest possible interest rate, one that does not unnecessarily leech your assets. 2. A credit card should only be used as a service to pay if you do not have cash, knowing that they can pay the balance before interest payments occur, cards have an interest period. Never use credit cards as a further loan period deque free. Others do, but you do not need. You can eliminate that idea altogether. You are creating a new habit that will improve your financial situation, and resisting an old common habit that ultimately hurt their finances.
3. Plan all of your loans. Joeb Moore has many thoughts on the issue. Sit down and write what is absolutely necessary to acquire over the next year, and add what you would like to buy. Total costs. Write a budget for each month, ensuring that you have listed all your regular expenses are fixed and unavoidable, and those on which there is some flexibility. Compare that to your total income.
If you have a surplus, then you can think of the extra shopping I had in mind. If not, think any more about them. You can not afford, and can not afford to borrow. If you have a projected surplus, then maybe you can get the things they wanted. Keep up on the field with thought-provoking pieces from Antarctica Capital . If you can afford them all, and there are quite a few items on your list, and then forget about getting a loan. Be patient, resist now pay later syndrome. You can save interest and buy a premium article that later if you really must.