I have been wanting to buy a Nikon D90 DSLR for nearly a year. I know that when we want something, we convince ourselves with bunch of excuses on why we want to buy. I thought about it a lot and came to a decision that I will eventually buy it. However, I didn’t want to get in more debt by buying another expensive item. So, my family suggested that I start a saving account for the camera? They even gave me some gift money to jumpstart the saving. Since I have already cut most of unnecessary expenses from budget to pay off my debt, I don’t have any major places for saving. At best, I can hope to save enough money by end of the year. However, recently I saw that Amazon has 0% one year financing for Nikon D90 DSLR. Should make sense I get it with financing (which means more debt) or should I wait (which means not being able to use it for 1 year)? Rationally, if I am going to buy something after a year, it makes sense to buy it interest free now. It also make sense to pay my debt off with money I will be using to buy the camera (since I'm paying interest). On the other side, we humans are not completely rational and I believe that if I buy now I would not save later. I also think that not buying this camera is some sort of test of my self control. I am still undecided. For time being, it’s out-of-stock in Amazon.