My husband and I had been self employed, for the most part, all our married life. We never knew what tomorrow would bring. As he put it, sometimes we would have chicken for dinner,
and other times we'd have the feathers for dinner! As such he never allowed us to fall into the credit card trap.
We'd have to save for what we wanted. Many times once we had the money, we really didn't want to spend our hard earned money on the object of our past affection.
When he died he left me with no outstanding debt, with minimal owing on our home. I will always be grateful to him for insisting it be that way.
There are no creditors circling over me like vultures!