http://www.gailvazoxlade.com/index.html
I am currently reading one of Gail Vax Oxlade's books on money management. She has a TV show in Canada called 'Until Debt do us Part'.
I have to be very mindful of how I spend my money. And yes I did buy a new machine in the Fall. It was not a need, but was a want. I had money in my budget for it and paid cash.
If you want a new Janome, slow down on the fabric purchases, until you have saved up the money. Maybe you can find a demo model or trade in.