Let's face it, instant gratification feels great in the moment, or at least until you get home and realize you won't be able to treat yo' self for months.
With a credit card, you can walk into Best Buy and walk back out with something as pricey as a laptop all within a couple of minutes. However, giving yourself more time to pay upfront instead of using credit is way more beneficial to your wallet. When you save to cover the cost in its entirety, you only pay the $500 to purchase it right then and there. Making a large purchase with your credit card may earn you reward points or seem helpful because of a low monthly payment, but it also means that the $500 price tag will begin to accrue interest. Over time, you'll find that you have actually paid closer to $600, $700, or more after adding up all the extra money you paid in interest to the credit card company.