I refuse to do it. We did gave to take out a hospital charge card at one point. That was only hard at that hospital in a tone if need. It has long since been paid off and disposed of. Otherwise, we wait till we have the money to buy things or we find a way to live without it. It's bit that tough.
hmm that the toughest part when while shopping you have in mind how will i pay ..I'm spending in now cant even brush that thought of but you cant help it when that is the only option left than later on when the bill comes in...O my God ...i t happen cute often and part of life so always keep your self secure for the future plastic money is bad ..Terrible is the right word
I've had a couple of mortgages and car payments in the past but everything else was cash. If I didn't have cash, I didn't buy it. I've seen too many people get in trouble over credit cards and credit lines.
If you're sensible about it, credit is a good thing. For one a good credit rating affects your car insurance rates. For another, if done right, it's free money. I pay everything off in full each month which means I have to make sure I know how I'm paying for it before I charge it but I use the credit card and get back 1%-5% cash back which is like a built in discount. I charged my truck when I bought it. I had the cash but $750 back was nice. It takes self discipline to handle credit well so if you lack it, stay away from credit.