When you need to purchase something that you need really bad and do not have the spare money or credit to do so, there is only one solution. And that is to work your tail off overtime at your job if available! I needed a brand new and up to date central heating and air conditioning system, and I could not afford it and did not have enough credit on my credit card to purchase it that way. So I ended up for a few months working every single day at my job, even all weekend! It was very taxing on my body and my mind. I am so glad it is over now and I can go back to a regular monday through friday work schedule. I have my central heating and air conditioning system that I want bought and paid for. It is going to be delivered and installed next weekend and I am really looking forward to the great indoor comfort it is going to give me. It will be a great way to enjoy my weekend after not have one in a few months! I could never go through that kind of working ever again. In the future, I will not do that. I will try to build more credit if I ever need a large purchase like a brand new and up to date central heating and air conditioning system unit. However, I should not even have to think about new heat and a/c systems for at least a decade. This is literally brand new.