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Old 08-29-2010, 04:44 PM   #8

We're Americans, we're survivors
eliza61's Avatar
Join Date: Jun 2003
Location: Philadelphia PA
Posts: 19,101

For me it's not that cut and dry.
First, I'm use credit and use it wisely. so I have no burning desire to be "Debt free". For example I had to replace my roof after the horrible winter we had on the East coast.
Now the roof cost 12K, I was not going to deplete my savings by 12K when I could easily afford the 12 month free financing. So we paid cash for 6K of it and financed the rest.

Same thing with a new car. Typically we spend around 25K for our automobiles. Would I pay cash for one nope, I fully comfortable with putting down a nice down payment and 0.9% financing.

Vacations we generally save for but my 25 anniversary is coming up in 2012 and we plan on touring Europe for 25 days. This will also be the same time I'll have 2 kids in college so next year we'll start seeing how we can juggle all these things.
"He who dies with the most toys is still dead"
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