No, I'm a freelancer so I don't have regular income, sometimes I earn more, sometimes less, I can't predict my income at all. So I'm extremely picky when it comes to what I spend recurring monthly payments on. Gas, electricity, internet, rent, car insurance, etc. can't be avoided. Everything else has to be a really big deal for me to consider it. I'd rather buy things when I have money, and then lay low when I have less work. For that to be an option, I have to avoid monthly recurring payments like a plague.