I love reading the howies catalog. I can't afford most of their stuff and that's okay with them:
Living without debt means living without black clouds. It means living for today and tomorrow. It means escaping that feeling that you're constantly trying to dig your way out of a hole. (And, if it helps, remember it also means not adding to the squillions-worth of interest that the banks make every day, basically for doing nothing.)
...Naturally, we'd hope you'll keep buying stuff from howies. It puts food on our table, after all. But if you can't afford something now, we'd much rather you waited until you could. We accept cash, cheques, and - yes - even credit cards. But we don't want your tomorrows. We want you to have those.