In terms of technology purchases... What if you purposely bought everything that was 2-3 years old. Imagine how much money you would save that could be put towards other things. You would also contribute to the American economy because instead of sending more money overseas you would be buying things from fellow Americans. You would be recycling electronics keeping them from ending up in junkyards as quickly. You would also cause companies to produce less of the product because there weren't as many new models being purchased. On the flip side, imagine putting a technology purchase on a credit card that has interest on it. You are literally making the worst investment ever because you are paying more now for a product that is guaranteed to lose its value.