I do know that zero debt has allowed me to be able to have work that I am passionate about rather than just working at a job I hate to pay my bills and student loans. http://www.classycareergirl.com/2012/09/15-ways-i-paid-off-80000-of-debt-in-18-months/
We’ve all done it and we’ve all felt guilty for it. You only plan on spending $300 (or $200 or $100) at the grocery store, but when you get to the checkout, your total is $30 or $50 more. To spare yourself time and embarrassment, you just put it all on credit. This leads to debt and overspending. Need to break this habit? Use envelope budgeting.