This chart really simplifies the decision making process. However, for the regular person, I think you would need to include a definition of Can I afford it? That is you can't afford it if you plan to put it on your credit card and not pay it off the same month.
However, for the regular person, I think you would need to include a definition of Can I afford it? That is you can't afford it if you plan to put it on your credit card and not pay it off the same month.