YES!! I've never had a credit card in my life!! I pay cash for everything! If i can't pay cash for it means i can't afford it and therefore should not even consider it. And so far, i's happier than friends who lose sleep because they can't afford their credit card payments. People should really stop using credit cards and just live within their means. It's not fancy, it's not glamorous and it sure isn't instagramable but it allows you a good night's sleep and one less thing to worry about in this crazy world that is already full with uncertainties.