Do you find yourself charging everything to your credit card(s)? If so you may want to rethink your purchasing habits. I am not one to charge anything to my credit card unless I have a very good reason and I also pay my bill as soon as I get it, so I have no credit card debt at all. But I know that I am not the usual American. I know that the majority of the US charges everything to credit cards and then they are in debt up to their eyeballs. I wonder sometimes what it would feel like to charge everything to a credit card and not care about how much I owe people and it is very hard for me to do. I live with the money that I make, minus the fact that I do have a mortgage on my home, so I am in debt that way, but as far as everything other than my home, I live with the money that comes in and that’s it. I feel good about what I do and hope some other people will rethink the way they pay for items as well.