Most of my friends and family live paycheck to paycheck. They believe that they need to spend their money straight after they earn it. Some of them do not have any choice because they owe money to somebody and they need to pay their money back.
When it comes to me, my situations definitely changes and depends on many factors. I am still struggling with a few credit card payments, but I am planning to get rid of my credit cards completely in the future. It has to happen eventually. It just makes me feel so much better knowing that I do not spend more money on things that I cannot really afford. This is such a relief to know that I pay for anything with my own money, not with the money that my bank lent to me.