[Gay State Conservative]

My Dad was a child of the Depression.Like many of his generation he,as an adult,lived below his means. As he reached middle age (and beyond) he drove Oldsmobiles and wore Timex watches despite being able to afford much better.

I learned (or inherited) the same basic attitude and,as a result,I haven't had a mortgage since I was in my late 30s and haven't had a balance on a credit card since my 20s.

[hanamizu]

haven’t had a balance on a credit card since my 20s.

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There was talk a couple of years ago that credit card companies wanted to go after ‘deadbeats’ like you and me. After all, we get the use of ‘free’ money for a month. And of course it is not fair to those who have to pay interest on their unpaid debt.

[eyeamok]

100% Debt free for 7 years now

[cyclotic]

We’ve always lived at or below our means. Even though I don’t need to, I still do. I rarely even buy clothes that are not on the clearance rack and absolutely never not on sale.

Never any credit card debt. Small mortgage and a small car loan, because I’m making more with the money invested.