I probably do the same thing as DidelisDiskas. It is some trouble to offer up parts here or at EBay. If I squeeze at least 4 year from them, I can also re-deploy to the machines of other fam-damn-ily members. But there IS a pile of detritus from the past building up.
I finance my graphics cards like everything else. I have an account for the Egg which offers "no interest charges for 12 months" on purchases of $500 or more -- six months for $250 or more.
I have an annual budget I give myself for PC hardware and software. And I have a personal policy that anything that goes into personal saving only comes out of it for some emergency. And PC parts are not an emergency. Saving is continuous and ongoing.
The Egg card allows me to literally "borrow" new parts without paying interest on the purchase, but the new card requires a regular monthly minimum payment. To meet the promotional 6mo or 12mo deadline, I budget the payments (and far in excess of monthly minimum -- we all know about what that can cost in interest.) So the use of the card is carefully planned, as is the purchase of parts, and the outstanding balance is budgeted so that I adhere to that budget.
For nickel-and-dime stuff ( as much as $100 or $200) that is a matter of immediate need (but still no emergency), I do the equivalent of paying in cash: I put it on a particular designated VISA card and pay it off at month's end. Period. No exceptions.