I heard yesterday on the news that more people are paying cash this Christmas season because of high credit card fees and/or maxed out cards. I think this is a good sign because so many are so accustomed to over-charging and and getting into such debt that it's hard or impossible to climb out of.
I think you need to have at least one credit card, because so many times you really do need one (like booking a trip), BUT I mostly use mine when I'm traveling and never charge more than I can pay off in a couple months at the most. And of course, we all have those little emergencies that you have no choice but to take care of.
TIS
"Mankind must put an end to war before war puts an end to mankind. War will exist until that distant day when the conscientious objector enjoys the same reputation and prestige that the warrior does today." JFK
