Wolf,
The bottom line is, you have to be able to sleep at night with yourself. I made the decission to not load myself up with debt and refinish my house more than I had to until this point. When I needed a new car, I bought used and spent less, all so I could pay as much tuition as I could. I firmly beleive that the one above will provide me a new kitchen/floor/bathroom/car/ etc when I need it without having to go into unecessary debt and without affecting what I pay in tuition. The fact that others I know borrowed and spent all the money and are going on vacations while paying less tuition does not bother me. Hashem gives me what I need when I need it.