In today’s consumer world, we are bombarded with countless opportunities to buy things we currently could not pay cash for.

Credit cards, jewelry, furniture, and especially automobiles all come with options to pay for them over time. But these are, for the most part, things we want. We don’t usually think twice about signing up for a credit card with 0% interest or taking advantage of no payments for 12 months when purchasing that new living room furniture.

But what happens when you need something for your home and you can’t afford it. What happens when the old furnace, the one that came with the home you bought 10 years ago, breaks down and will cost almost as much to repair as purchasing a new one? Read more