

I too have a budget and the only two things I have bought on time in the past was my house and a couple cars.
airplanes, boats, motorcycles, trailers, ham radio gear and tools all saved for before buying.
I have learned to use my credit card to pay bills.
this card pays me for using it and is paid off every month
you would be surprised how much you spend and what you can use the money earned to buy more stuff.
good luck shopping.
pete