>For example, my microwave died and I didn’t want to drop all that $500 at once and I didn’t want to carry a balance on my credit card so I paid for it on my pay day using Pay in 4 with another system and it worked out.
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>Another was with my car insurance. There’s a $430 discount for paying the premium up front vs monthly. So I just threw the whole thing on Pay in 4 and got the discounted rate.

Budgeting and saving take care of both of these.

I have a "home" category in my savings account. I throw a few dollars in there every month. There's enough to cover new appliances if they break.

I already know the annual premium for my car insurance is $1400. 1400/12 = $116, so that's how much I save into my car insurance category every month.