If you can get away without incurring debt to do it, then get away. Find something cheaper to do if not. You have to be able to support your lifestyle long term. So either adjust your lifestyle or adjust your income.
The long answer: idk, I guess I have a slightly different POV than some (most?) on the forum...imo, under certain circumstances, interest charges may be an acceptable and negligible expense, if the total debt amount is low enough and the interest rate is low enough. I believe I may have mentioned previously that if I had to pick a choice of 2 poisons lol, meaning either high AFs or carrying a balance on cards with ultra-low go-to interest rates, that I would choose the second option. A lot of forum posters here do not like to pay any interest at all and always PIF, under any and all circumstances, but also interestingly find cards with high, even potentially astronomical AFs, as totally acceptable(?). In my experience, I strongly dislike cards with high AFs -- tbh, I would rather pay a comparable amount of interest charges if I had to, that were the same equivalent of the cost of the AFs, for the additional flexibility that revolving a balance at very low interest rates can provide.
The short answer: assuming the revolving balance is low enough, I don't mind paying some interest charges on cards that have go-to APRs below 10%. Even better if the low-APR cards are also rewards cards, so as to offset some of the interest charges with the rewards earned. I guess my reasoning is, if someone is going to be paying a sky-high AF (or AFs) anyway, then what's so bad about paying a proportionate amount of interest, as an alternative to an excessive AF? 
@galahad15 wrote:The long answer: idk, I guess I have a slightly different POV than some (most?) on the forum...imo, under certain circumstances, interest charges may be an acceptable and negligible expense, if the total debt amount is low enough and the interest rate is low enough. I believe I may have mentioned previously that if I had to pick a choice of 2 poisons lol, meaning either high AFs or carrying a balance on cards with ultra-low go-to interest rates, that I would choose the second option. A lot of forum posters here do not like to pay any interest at all and always PIF, under any and all circumstances, but also interestingly find cards with high, even potentially astronomical AFs, as totally acceptable(?). In my experience, I strongly dislike cards with high AFs -- tbh, I would rather pay a comparable amount of interest charges if I had to, that were the same equivalent of the cost of the AFs, for the additional flexibility that revolving a balance at very low interest rates can provide.
The short answer: assuming the revolving balance is low enough, I don't mind paying some interest charges on cards that have go-to APRs below 10%. Even better if the low-APR cards are also rewards cards, so as to offset some of the interest charges with the rewards earned. I guess my reasoning is, if someone is going to be paying a sky-high AF (or AFs) anyway, then what's so bad about paying a proportionate amount of interest, as an alternative to an excessive AF?
Annual fee cards generally provide things of value, like checked bags, hotel rooms, or superior rewards earning rates. And they generally mean a big SUB. Not to say all AF cards are worthwhile.
I'd happily borrow $50k at 2% or even 3% for five years if I could have it as cash to invest, but banks think it's more reasonable to lend me a smaller amount against purchases at 16%, or for nine months at 0%-1.99%. It's hard to really do much with the latter, so I just PIF unless 0%.
