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I have two cards; one credit and one debit. The credit card is exclusively used for emergencies and internet purchases, and that's it. The debit card is used for everything else. My parents and I have an arrangement where they pay my debt and then I pay them back (I'm a senior in college), so that I get good credit and still say cash smart.
I have a decent car and enough saved up in savings that I can pay cash for my next car, and turn around and start saving up for the next major purchase. I'm going to love just writing those guys a check, and not having to worry about taking out a loan.
Once I get my Masters and a steady job, my next goal will be to save up for a house. That, or start my own business.
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If ignorance is bliss, you must be having an orgasm.
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