In Debt?

Short answer – no. I strive to stay out of debt as much as possible. The thing is my cheapest credit card is 15%, and the card with the bigger line of credit is 26% – both of which is expensive. Therefore, I strive to save for any major purchase I might need. I will then either go to the store, and pay with cash, or use my credit card, and then pay my card off immediately. Simply put – being poor is expensive, and I am trying to cut down on the expense that I live with.