I absolutely agree with you that it is freedom to live without debt. The most important thing my father taught me. If you want to buy something, if the money is enough, buy it. If money is not enough, do not take it. do not owe to anyone. so I do not use credit cards in my life. I will save money even before I buy a dress. I get clothes after that. I would recommend the same to you. Living without debt is my life. @markwhittam
I am free because I do not owe to anyone. I hope I owe no one to anyone