I trashed my credit bad enough in my early 20s. I no longer buy ANYTHING that I can't live without on a credit card. I set cash aside until I have enough saved THEN I buy, you tend to appreciate things more that way.
This is the best way to do it.
I know we live in the world of instant gratification nowadays, but the safest way to buy is to have the amount in cash whether you buy it with paper or plastic.
My dad always pounded that in my head, I didn't always listen and [bleep] up a couple times, but now I know that to be the truth and the best way to go.
Besides, why make credit card companies any more money, they screw and ruin people's lives like us on a daily basis with their bullschit interest, that's their bread and butter.
