I always make sure I pay charges on my credit card within the grace period. I just use it for the convenience (and travel points are an added perk on things I have to buy anyway - I paid for my tickets home next month with points - knock on wood I can go). I do have a line of credit (for emergencies). I have a dryer full of clean laundry and a sink full of dirty dishes. I should adult since I have to go into the office the next two days, a short weekend (for me), then I have to be in the office most of next week (co-worker is on holiday so I'm in charge of the summer staff). Have I mentioned I need a vacation?