Major Purchases

It’s not a matter of if, but a matter of when I will have to make a major purchase. With my lead credit card charging me 26% APR for purchases, I do not wish to use a credit card if I had to buy a new computer, phone, TV, tablet or any other purchase that could cost a significant amount of money. My phone for example was $1400 for the phone and extended warranty. I would expect to be able to get 5 years out of the phone before it needs to be replaced again. $1400 is more than I get in a month, so there are only two ways I can cover this purchase. One is save for months, and the other is to use a 26% APR credit card. For major purchases, I budget $100/month, and use it when need be.