So far I have only purchased what I can pay for in full, I've never even done a payment plan. My fall-back for regulated spending is my wife I don't have all that many actual morphs: 1.1 YB 1.0 pastel are the only "visuals" the rest are hets or normals. I've come to the conclusion that I can be content with what I have and take one step at a time even if it takes a few years with some hets to get what I want.