[Stormieweather]

ZERO credit cards...not a single one. I have not owned one since my divorce 8 years ago.

In fact, until last September when my car finally died and I had to finance a new one, I didn't owe a single person or entity any sort of debt whatsoever. My only obligations were for rent on my house, utilities and daycare.

I've found that buying things on credit is just not necessary if one chooses not to. We never go without, have very nice computers, musical equipment, clothing, and the usual toys people indulge in...but all of it was paid for at the time of purchase. We aren't wealthy, by any means, but we do budget and plan for future expenditures ie: birthdays, vacations, upgrades to possessions, Christmas and retirement.