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I can't deal with monthly payments, I want the Epiphone Les Paul Special, it's £340 on Peach. £90 down and like £20 a month for 12 months. That's like peanuts money literally. I spend more than that on snacks a month but I still can't bring myself doing it.
I know that's different for things like cars and houses, but for non essential stuff like guitars there is no way I'd borrow money to buy one.
I'd rather get rid of anything not getting regular use provided I know I can get another if I ever need/want so I try not to spend massive amounts of disposable income on new gear, but happy to spend a bit when I get a bonus or promotion or whatever.
My main issue seems to be increasingly-expensive tastes, which also helps keep a lid on things at least a little - I can justify buying a few pedals in a year, but don't want to regularly spend thousands on guitars.
https://speakerimpedance.co.uk/?act=two_parallel&page=calculator
I also stopped buying vinyl and CDs shortly after lockdown started.
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