I had most the cash available at the time of purchase, but some of it was locked away in Certificate of Deposits (CDs) that would not mature for a few months after purchase, so I financed and only paid a few months of interest until I had all the money available to pay it off and stop paying interest.
I financed the first purchase from Disney because I had just paid cash for a large OKW resale contract and did not want to draw down more cash. Paid it off several months later. All remaining purchases have been cash.
We paid the cash for our 300 point contract split between BLT and AKV. Figured this was a luxury item and didnt want to finance this over any length of time.
Cash.. cannot imagine financing a vacation. .. but I won't even finance a car... I save for a few yrs, (getting interest instead of paying it) and then pay cash for it.
Working in the mortgage industry for 8 yrs; I realize how much interest really costs.. and run from it as much as possible.