America is a consumer nation addicted to buying nice toys, gadgets, fast cars, and other great products. These things are nice, but the problem is that these things are expensive in most cases. People choose to pay for their toys and gadgets with their credit cards, and often find themselves in trouble because they overextend their finances. Some people rack up a tremendous amount of debt in this fashion. In fact, recent studies suggest that the average American has over $7,000 in credit card debt. There is an alternative way to purchase the items that you want besides going into debt.