@motinkergnome I do the same thing budget-wise. I learned my lesson with credit cards a few years back and just gave up on them. If I can't pay for it with cash - I don't get it period. I've got so used to living this way that I would never go back to that trap.. I feel awful for those who are still stuck inside that revolving door system.
What is scaring me is the lack of support those without credit in good standing really have. It is getting harder and harder to do anything without a credit card.. and obviously like this article is all about where do you live when every landlord requires a 600 credit score? Finding a rental becomes like finding a needle in a haystack :-[
thank you for reading and commenting!