This is my way how I manage and purchase items using no credit or loans. This is not something from a book. This is something I figured out over a few years shortly after buying my first house age of 23 in 1993. After a couple of years and hundreds of hours reading and researching, trying different ways to save money, I came up with this plan my first year trying it 1995. IT WORKED.
It's not you're salary that makes you rich. It's your spending habits.