Except for my business, I'm not much of a shopper. I use credit cards because, depending on the card and the month, I've gotten airline miles, 5% cash back from certain types of purchases, and cash credit towards future merchandise. On the cash credit, I got a super nice bathroom scale from Sharper Image, Calphalon cookware, dvd rentals, 30 minutes per month free long distance phone calls, etc. Right now I'm trying to get airline miles because I want to fly to NYC in June for Mom's 80th.

I've never been in debt and think it's stupid to buy a lot of stuff if you can't really afford it. We pay off our credit cards every month. I'm a good money manager (and so is hubbo) so I really don't worry.