Short answer – no. I strive to stay out of debt as much as possible. The thing is my cheapest credit card is 25%, and the card with the bigger line of credit is 30% – 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. As for emergencies will go, anything beyond $1,000 will have to go to a credit card. When that happens, I pay off the card as quickly as possible. This is all because of the high interest rates.