I am fortunate , like mobo and a couple others to have access to equipment. It's not free , but at cost.
I still have to pay for it and I use a Corporate AmEx.
I might carry a balance for 2 months if I have a lot of things I need , but never longer than that.
I will save for the bigger items , like a new bow. I sell the old one's to help pay for the new.
It all works out. I never have to take $ from the personal accounts.