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Model railroading yourself into debt...
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I personally feel that life in many ways is getting tougher for those without willpower. <br /> <br />Credit cards, super sized fast food meals, junk on the internet - everything is there, in your face. <br /> <br />It's getting easier and easier to be a loser. <br /> <br />I racked up credit card debt in college - took a while to get out of it. These days I couldn't even imagine buying anything on credit, with the exception of real estate. <br /> <br />I use credit cards, but just as you'd use a debit card. The bill is definitely paid every month. (I couldn't say the same thing 10 years ago when I was in college, however, I'm sorry to say). <br /> <br />They're just bad. Stay away from them.
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