I have never liked going into debt to acquire any good or service. I prefer to save until I have the necessary amount to be able to buy it.
There are people who are willing to do without basic necessities in exchange for acquiring what is in fashion.
I am one of those who prefer to buy just enough. My wife nags me about it. Sometimes I agree with her, because in a country like ours, having reserves is important because you may not find what you are looking for after a while or you may find it at a price much higher than the initial price.
I think it just comes down to applying some common sense and responsibility really, the sad thing is that so many people are not willing to do so; it's good that you have the right idea.