When you are sure you have your eyes wide open on the real cost of borrowing, you can not only judge whether something is worth buying through credit, but you can also choose the best credit deal for what you need. See creditexpert.co.uk
It is always worth bearing in mind the situations in which credit is free:
� Special offers from shops of 0 per cent (provided the cost of lending isn't recouped in a higher price)
� Credit-free periods following credit card purchases (but not cash withdrawals), gained by settling before the monthly due date
� Goods on account, where payment is to be settled by the end of the following month
� Goods bought on a charge card (always to be settled monthly).