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I do both, cars are bought with a loan from my 401k. In effect, I borrow money from myself and pay myself interest. 18 years left on the mortgage. Most other things are paid for using cash, with the exception of home improvement projects. These inevitably go over budget. I've take several 12 months / 0% interest deals from Home Depot. I'd rather deal with payments, than do a half assed job.
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