This is something I fall squarely into. I've avoided debt like the plague, preferring to live a few years behind the tech curve in electronics and using older c

This is something I fall squarely into. I've avoided debt like the plague, preferring to live a few years behind the tech curve in electronics and using older cars and such. I do use a debit card a decent amount however, for better and worse. I'd much rather operate within my means, than spend my entire life chasing something I can't actually afford. edit: I will be looking into getting a credit card decently soon so I can build credit for things like a house, but at 22, I can say I'm glad I don't have to worry about that hanging over my head in the future.