Here is a video that ordinary people can get by without credit cards and have more money left at the end of the month. (Sorry, I don't think I can embed from ABC news).
We just went through a spell of buying a new mattress, Soccer Mom having oral surgery, putting money aside for vacation and still having money saved up for new tires and headlights for the Soccer Mobile. All this was paid for with cash, without affecting our normal expenditures for house, food, etc.
The less the Cheetah gets, the more is left for us!
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