Great advice by many. I agree, and in a perfect world we would only buy what we could afford.
Two sides to everything, and I live that other side.....

If you want it... you find a way to get it. Work harder, work smarter or work more. The motivation to make more is for a better life, so it's no wonder we adjust our life style to the mighty paycheck.
I run my own business and believe it takes it to make it. The only thing better then 20% on my investment is 20% on some one elses money! Credit is key in what I have done in the past 21 years, and without it I would be stuck in the same box many are.


... Debt is what you do with it. I WILL have my Challenger, and I will have a payment. I will continue to over heat my pool, and over spend my budget... Is it right? Hell no!, or Hell yes! At 43 years old I wont spend my life saving up to climb mountains in Alaska, and dive in Costa Rica... I just do it. I have a beautiful 21 year old daughter, and if I waited until I could afford a kid I would not have her.

Friends say I have a great life and am very lucky.... Guess what? The harder I work the luckier I get!

Ever look back on something and think "I wish I had"..... 2 Heart attacks later, and all family members past. Life is short and needs to be lived.

My 2 cents worth (warning! the .02 was borrowed!)