Bill,
That is why the last thing that I bought on time and made payments on was in 1965. When I had my house built I paid cash and had a small one built as I didn't need a huge one. The only bills I have had since 1965 are my regular monthly ones that I know of no way to avoid. I have one credit card that I use for almost everything and then I write one check and pay it completely off each month. I buy nothing that I don't need or can't afford to pay for when I get it.
Ron
