[lindawalkrsin]

Originally Posted by End User

Truer words have never been spoken.

Personally, I don't use credit cards, I don't borrow money, and I live within my means. I make my living strictly on the internet (haven't been in an office in years), and I have no debt, zero, zip, nada. I support my wife and my child without any difficulty and we live quite comfortably. We don't lack for anything, and yes, we have savings.

When people ask me how can I live without having any debt, I tell them I have a secret technique, but that I'll share it with them. My secret technique is, "Spend less than you earn."

It's so odd that this is such a "secret" these days. I spend a lot less than I earn, but then again I don't think just because I have a good job I'm entitled to a house/car/whatever else. I save my money for rainy days.