[daveathall]

Truthfully? I have bought things on credit when I can't afford to pay cash, they may be luxury items as well. I have always made sure that I have enough money to repay the payments. I wouldn't have ever had a Rolex or driven a new car if I had waited. Those that can afford to buy luxury items with their wages, that is good, not everyone can, I'm one of them.

I seem to be different, when I get to the stage that I need to use credit to buy basics such as food, then I have hit rock bottom and it is time to take stock and look at different ways. I have never been in that position though.

I have one life, I will live it.