I pay cash for everything.. I'm actually one of those that didn't ever get credit to get a rating to get a credit card.. dizzy times
I use a lay-by/lay-away system to get what I need if I don't have the cash on me straight up, I have been working on getting a credit rating so I can at least get a credit card for emergency use or to at least get a few of the advantages they can offer.. but I would work on the concept that it would have to be paid off when the statement came in.