“Almost always use cash, and have no debts, unlike credit card loving friends of mine. “
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I do a lot of online shopping and use a credit card for just about everything I buy,on or off line———I have no debts either,and have never paid interest.
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This is why I said "almost always" use cash. For some stuff I buy online makes up the rest of the "almost". My income is direct deposited, and my online purchases are tied to my accounts. Any use of credit card accounts is paid in full right away and no interest is paid out. My wife will only use credit cards that give cash back for purchases on them. So online, I can't use cash so easily. But everything else, I use real cash in the pocket as much as possible. For buying a new car, we use a check but it's cash behind it, no loans. Like you, I hate the thought of paying out any interest and avoid it.