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Will have no affect here, wife and I paid everything off over the last few years... closed the accounts and cut up the cards. We keep a pretty decent nest egg for emergencies, and I carry a corporate cc for work. Otherwise, we pay cash. If we can't afford it, we don't buy it (with automobiles being the exception).
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Travel is fatal to prejudice, bigotry, and narrow-mindedness, and many of our people need it sorely on these accounts. Broad, wholesome, charitable views of men and things cannot be acquired by vegetating in one little corner of the earth all one's lifetime. - Mark Twain
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