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I am also proud to not have any CC or home equity debt. One mortgage, one car payment which is a finance, other two cars are paid off and they are working for me now. Its definitely easier to spend than save. Having a credit card is very necessary for me though, I use AMEX for all my expenses both for work and personal and I pay it off each month. AMEX provides a lot of value by using their card and I'm a happy customer.
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