I have 1 credit card I use.. Like everyone says I pay it off each month. I also have a seperate bank account for my hobby fund. I resell a lot of hobby items and put the money in that account. So in other words I only sped from hobby funds. I have a cheap home loan, two paid off beaters that still drive, and a cheap loan on a used car for my wife. When I pull to the field with a trailer full of 100cc new airplanes everybody thinks I am in so much debt or well off.. I dont tell them the truth. There are ways to play just dont let it get out of hand. i would rather live cheap and enjoy life more than try to keep up with the Jones's..