Hehe, hear hear LoneGunman...
I was the same... ai... but that first house and that first car REALLY grinded my balls when I had to put down almost 30 grand deposit for JUST a 110k car. Eish, all because I didn't have a credit record.
But yea, I'd rather use my credit card (not in the red like you think!) than hard currency, as it opens my wallet up for a nice lil' mugging. If I lose my credit card to some scumbag, I have insurance on it that will cover me, but if I lose the cash... thats hard earned money I will NEVER get back. I have alot of spendable cash lying around, just like you, I just have the bond and car basically to pay off, because those are the only two things I couldn't afford without taking credit. I can't wait till I'm 25, insurance is killing me!
24 month contract, kewl, but I'd rather buy the modem upfront like the rest, but yea, if I have to, I have to... no two ways about it.
BTW, I can afford much more than a soapbox to get off of! hehehehahaha [

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