Yeah, I just can't see living week to week or relying heavily on credit myself. I understand why other people do so but you gain so much by breaking out of that cycle. You gain independence. Not just financially but in your mind as well.
I haven't owned a television since 1991. I'm not exposed to advertising in this form any longer. When I walk down the aisle of a supermarket or a department store all products are equally unfamiliar to me. I have no special urge to consume any one particular product.
The only credit my wife and I have used in the past ten years is a mortgage. We wanted to pay cash for the house (and could've) but we also wanted to make some major rennovations to it so we took a small mortgage. We've just bought it and we'll have it paid off soon (or rather the people we rent it to will pay it off for us). We use credit cards but only for the insurance on goods bought and transactions they afford. The balances are always paid off in full every month automatically. We purchase cars with cash. A car is a tool to us, not a status symbol. We purchase the one that best suits what we'll be doing with it. We apply that across the board to everything we do.
What I'm driving at is (and you already understand this) I don't pay the man in order to get a load of junk I probably don't need anyway. Just the money you save on interest paid is like an investment. What the average person spends on paying interest for credit they could easily take a luxury vacation every year to an exotic location. It just aint worth it to pay the bank when you could be treating yourself and all it takes is a little discipline.