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I usually buy the best quality that I can afford whenever I buy something, whether that be clothes, hi-fi, car, etc, you generally get what you pay for and something well made will last for a long time if you treat it well.

Nothing apart from two mortgages. Have had a car loan twice in the past but would never do that again as it is pointless, never had a credit card or store card either. I work on the assumption that it is stupid to get a loan on something that will depreciate in value whilst you are paying for...