I agree with all the general advice about only financing education, business, and a primary.

The only thing that I would add is that I decided a long time ago that as much as I love computers, I would absolutely never finance a computer. I figured that about six months after I had financed my first computer, I'd be homeless - living in a car with a trunk full of party paid for computers.

The same thing is true for bikes.

To misquote Dirty Harry: "A man's got to know his addictions."