Reply to S/O How to be comfortable with debt

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]OP, I'm the same way and my parents also grossly mismanage their money.  I don't think I could ever be comfortable with debt, but I would love to not have these anxieties over money.  Is this more about your anxiety or more about actually wanting consumer debt?[/quote]

OP here. Anxiety is more of the issue. My friends book $3,000 vacations on their cards on a whim or go spend $1000 at the mall like it's nothing and I know from conversations with them that many of them are in the $10-15k range for their CC debt. I just need the anxiety of having anything on my cards to not be there. I don't pay things early like someone mentioned, I just have it all automated so on the 11th of the month the card is automatically paid off. I do have an emergency fund and everything I need. I just wish I could do the extras without the panic setting in.[/quote]

I do that, we probably have 20K in debt right now.  However all of it is on no-interest cards. We keep it there until it is close to the interest free card offer expiring. We have savings, so we can pay it off with one stroke of a check.  I'd rather have CC debt and significant savings if one of us were to get laid off, that is why we run the cards as long as we can on the 0%. We have done this for years and luckily we have never had to face a lay off.[/quote]

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