[Margaret Pilkington]

Originally Posted by jaysay

There's no need to go into debt at Christmas, live within your means instead of keeping up with the Jones, I've had used a Credit Card for over 25 years and I've never paid one penny interest in that time, because I only use it as a convenience purposes and not buying something I can't afford at the time of buying. Think I had a good teacher in my Mother really, she didn't believe in debt either, there was no never, never in out home when I was growing up and there's never been any in my home either.

That is spot on John.
I have never gone into debt to fund christmas....and never would.....and Yes, my Ma is responsible for my attitude to debt, like yours John. It is common sense...except such sense isn't really that common.