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Originally Posted by MikeyB
It only takes some common sense not to get into debt, either just get what you can afford, or don't bother.
I have a credit card for "emergency" use only, like if the car packs up, or something big needs doing on the house and I don't have the cash to pay for it.
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People who spend more than they earn on credit cards do deserve to be in debt, however, there are lot's of situations where people end up in debt through no fault of their own, they might work for a company that suddenly goes bust and doesn't pay your last months wages (I know, it happened to me), the bills won't pay themselves, you still have to eat, you still have to run your car trying to get to interviews, you still have to pay the rent.