Consider having a goal of becoming debt free as soon as possible. It makes a huge change in the way one looks at purchases plus frees up more money eventually to invest or to pay cash for purchases. We paid $23000 cash for the used MH we bought several years ago, the used Chevy we tow and will pay cash for a replacement car next spring. Not wealthy and income is way under 6 figures. I know I'm bragging but mostly proud and hope to pass on the huge benefits of debt free for others to consider. Beware of the financial people who encourage us to delay paying for stuff we can't afford.