When time gets close I start sending in partial payments. That way it’s not so painful to make a Big Payment All At Once. Anyway, it works well for me.
For me, I set up an on-line savings account and do a "sweep in" prior to the next paycheck. This way by the time the item arrives, I have full payment in hand! No cc debt for this stuff anymore!
Right now I have enough for the slumber and working my way towards the p42's and the superliner 1's and finally [if not cancelled] the second run of the Broadway Ltd!