Some people only buy what they can afford with cash upfront. To clarify, I am not one of those smart people. But many people live like this. And people who had bankruptsy must live like this. My husband lived like this after bankruptsy for years. Only used debit card or check. If he didn’t have it in his account he didn’t buy. He still likes to live like this even though he obviously has credit cards.

If your husband wants a chair, he can put money aside every month until he has enough. He should know better after he had bankruptsy that he shouldn’t buy stuff he can’t afford unless it’s an emergency. Chair isn’t an emergency. I’d tell him to start saving