51 years old, and I've never owned one!

no car loans, or mortgage even. I'm also proud that i haven't spent a penny inside a walmart in 15 years.

I have trouble staying away from Wal-Mart for 15 HOURS!

ppl go to walmart and see good deals and come home with more stuff than they intended to buy. but when they stopped they would go out and only get the items they needed.

Actually I'll use mine, and they pay it right off. I hate paying the interest fee.

:-)

They are a great way to completely ruin your finances and be in debt for ever!

Let's fall into the abominable financial abyss, hand in hand! Never looking back! lol

I got it :-)

LOL!

Now I want more tacos! LOL

I've tried making tacos at home. Now I know why Taco Bell is so popular! Between the mess, the time it takes to prep everything, the money involved and how difficult it is topack the shells JUST RIGHT, forget it. It's so much easier to go to TB and order some! lol

But then I do have the kids to help with the prep and such. But sometimes I get a craving for the kind of Taco you can't make at home. Something about the Taco Bell ones!

And payday loans are demonic possession.

But I will say, we try to pay them off at statement time to avoid interest. But sometimes they go an extra month. 10 more years on the mortgage and debt free also!

I'm not knocking you for using them, but I am so glad that I've made it this far in life without succumbing to the temptation of doing so myself, because I have never really been in a position financially to sustain payments of any kind

I've been reading Dave Ramseys books lately. Some of the credit card horror stories he describes are nasty