Credit - Blog Posts

Different Strokes?

I think I left the teller at the bank genuinely disturbed when I told him that “If I can’t afford it, I just don’t buy it.”  “What about a car? Do you drive a car?” he inquired, his voice toning on the edge of fear.   I told him, “Yeah, I have a vehicle. I bought it used for under $3,000.”  He looked physically pained. “What about if you want to buy some kind of new appliance? Or furniture?” he persisted. I stared at him blankly. “My couch was $5.00 at Goodwill. Like…I just buy shit cheap or I don’t buy it at all. The only thing in my life that I make payments on is my house, my bills, and my insurance, and that’s split five ways because I have housemates.”  The young man looked horrified? Appalled? And somehow also awed?  This guy couldn’t have been much older than me. But it seemed that he’d never even considered the option before of saving up for something to purchase it outright instead of using a credit card. Am I the only person in my general age group (just turned 26) who’s never owned a credit card, and who has forgone basic comforts in order to save up for items so you don’t owe money to anyone, like, ever?