I think if you want a luxury item and can afford it and you've thought it through before the purchase then why not buy it. I'd be curious to see if some of the purchases I've made would have been approved. I did the math before purchasing though and I approved myself and don't regret the occasional splurges I've made. My bills get paid on time, My debt is non-existent and my savings are in good shape so If I want or need something and can truly afford it I get it.
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