If you live within your means and budget sensibly, you'll eventualy get what you need, not what you think you want, because of a whim. I do'nt have any credit cards, but have a debit card that I use reluctantly. I refuse to line the fat cat companies pockets, discount for cash is the way forward. I also do'nt work and if I can live and enjoy myself without the leeches in my wallet, there's hope for others to do the same.
