Never bought anything on finance although when I first started a proper job in the late 80s I took out a loan for a boat and decided I was going to live the yachty lifestyle.
I think I only borrowed about £3k from the bank but I was spending money like a Rock Star
Then I met Michelle (accountant and money savvy Capricorn). When she realised I wasn't Richard Branson that was the end of all that. She had me back in the black in months and never looked back or borrowed money ever again apart from a mortgage which I paid off as soon as I could.