Determine a financial goal, determine the next way to achieve it - find the desired product or service on an aggregator site and, after reading reviews, purchase the product (service) by borrowing money from friends, parents, without interest.

Define the goal within the framework of the financial plan, assess the current state of your financial situation, understand the possibilities of achieving the goal and outline alternatives, weigh all the risks of this or that way, realize the consequences in case of violation of the terms of this or that financial agreement, assess the tax consequences, choose the most economically feasible and comfortable way to achieve the goal

Identifying a financial goal and immediately taking out a loan to achieve it, then spending your income to repay the loan