I've never bought anything on finance. The thought of having debts scares me. (Well, technically my student loan was a debt too, but that just wasn't to be avoided)
But we could need a few new things too, but luckily just minor things, like a new carpet for the living room, because there are parts of the floor breaking off - well, technically we would need a new floor, but since we have neither the money to pay for it nor the motivation to do the work, a carpet seems like a smarter solution
I know the problem with the room. I will soon run out of space for my books too, but there just isn't any more room for any more shelves.