You used to be able to buy CS.. Now you rent it. I got CS6 when you could buy it outright. I saved up for it. $1,000.00. Finally had the funds and got it. So glad I did. love that program. You can download it for 2 week trial and try it out, then get the monthly program. See if that works for you.. I am sure you can turn it off (turn off monthly payments) when you cant afford it or you arent using it.