It's getting closer to winter, and all of a sudden you need a new HVAC system that'll cost $5,000. You've got the money in a savings account. Will you spend that money, or pay with a high-interest credit card instead? According to a study, if you have earmarked those savings for a "responsible" purpose, you are probably going to preserve them and pull out the costly plastic.
Buying a new furnace: Will you use your savings or assume more debt?
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