but just too much stuff online. Just about anything from clothes to electronics, etc. Then I found a way to spend less money so I can save some for later...

Now I am here.. LOL

Mrf,

I lost EVERYTHING i owned. ( basically just left with the shirt on my back )
So of course my Credit is in the shit-can also.
I do have a pre-paid debit card, but, when i can, i use cash.
One thing about cash, it keeps the impulse buying down. When you count out the cash to pay for something, you actually think about the amount you are spending, compared to whipping out plastic. ( atleast that's the way it works for me )
That old saying, "a penny saved, is a penny earned" is still true.

ps, filling up that envelope to pay for a lady, is a tough decision sometimes...lol.

education, I didn't do student loans because that is money I knew I someday had to pay back. Yet, all of my classmates borrowed money and some even spend that borrowed money recklessly. Sad part about those cases are, some are still paying those interest loans back, and they graduated a while ago. I'm old school, if I don't have the money, I don't buy. I don't care if its Christmas or some holiday. If I don't have money, they aren't getting any gifts. It's called tough love.

Some credit cards have very high interest rates. These days, interest rates on most types of loans are also very high. When I bought my house, I didn't even wanted to do loans. There were a couple of methods I used to purchase the house, but, I can't reveal it here unless you pay me for my advices. Anyhow, I was able to make a one time purchase on the house. I am not rich by any means, just fortunate enough to make some okay decisions.

Anyhow, here is my philosophy for credit cards and loans. If you don't have the money on you, how the fuck do you think you can pay it back if you didn't have it in the first place. So, only spend on what you can afford.