"I love it, but I can't afford it" is something I often hear, especially in the run up to Christmas (yes, I know it's August). I know this feeling, I've been there as well, which is why I have tried to make things easier.
Many don't know, because I don't advertise the fact, I can offer a payment plan (or layaway as it's known elsewhere). This is not handled by a credit company, it's an agreement between us. You commit (and it is a binding commitment) to paying the cost of the item within an agreed timescale with a monthly or weekly payment and I agree to supply it to you at the end. If you decide part way through that you would rather have something else, I'm sure we can sort something out. Layaway's do help me with my stock planning, many leave buying for key events like Christmas until the last minute meaning it's difficult for me to re-stock in time.