Speaking as someone is AUS, and a person that HATES our banking system as they do pray on the less fortunate and i was that person early on in life. I got caught in that spiral of needing money to fix the car, so putting it on the credit card, then getting unemployed and eventually after only paying the minimum until back on your feet, then SLOOOOOOOOOOOOOWLY paying off a huge credit card bill.
You think i would have learnt, but no, i am a bit stupid and went and did almost the same thing again a bit later, after that experience i have never owned one again.
The ex wanted one cos “it made her feel safe to have the ability to get the cash”, after huge argument where I utterly refused to get another one, So she went and got her own. And not long after it was at its limit. Her excuse was “i get it confused with my other cards” , yeah right.
I should have seen that it was the end of that relationship right there, but i didn’t. We grew apart on views and other stuff. still was not pleasant to go through a divorce after 22years.
So now i have 1 and only 1 interest free “deal” running. I pay that off and then i get another. Not quite the same thing, but the last one i did was with LATAUIDE finance, via a big box store in in AUS, Harvey Norman (for a new laptop) i walked into that store with my drivers license, 30 mins later i walked out with a every expensive laptop and $10,000 credit on a Latatide credit card. It took me a couple weeks, believe it of not, to get them to lower the available credit to 2.5 k and its taken me a month to cancel the dam thing now i have paid it off.
So now circling this rambling view into my life back to the subject, I paid for the MK4 out of savings and now I treat that as an interest free and will not by something else major for 6 months.
The MK3 has been workhorse for me, but i will have to say that i have to use glue stick on every print as the first layer just does not stick. Yes i have cleaned the build plate with an inch of its life and even replaced it with another genuine one, but no matter what i try, except for the glue stick, it just lifts on the corners, or detaches completely. So I chose the upgrade as hopefully it will not be a problem again!
I am also probably going to invest in a heated dry box or two, as that has become a major problem as the place the printer lives now is either at work that is not heated (its sorta ina space with a simple door to stop drafts and enclose it, sorta) or 2km from the beach, so moisture is a real problem for my filament.
Also cheques, to open that can of worms. I’ve never seen one in my life, because we just use bank transfer (now with my finger as well… :D).
I love making the LR go vroom at too fast, time is money with 4 kids. 
