Wrong. As I’ve said before, you shouldn’t be using credit cards if you don’t have money saved for a rainy day.

So you certainly shouldn’t use a credit card if you’re broke.

Yet, that’s exactly what a cashier expected me to do earlier today.

I took my youngest son shopping at Kohl’s for swimming gear for his  upcoming birthday party, and I balked when the cashier said it costs  $45. The cashier immediately responded that I can apply for a store  credit card to pay for my purchase. She assumed I was broke and could  pay for my purchases by ringing up debt on the store card. I had the  money. I was just balking at how on-sale items added up to almost $50.

The more money I save, the more I don’t like to spend. But when I was  broke, I actually didn’t mind spending my dollar. But that’s for  another article.

What’s wrong with the U.S. economy is that many people believe that  if they don’t have money for purchases, they should charge it or borrow  the money.

No, if you don’t have the money to buy a pair of shoes, a  shirt, a cup of coffee or whatever, you shouldn’t charge money you  already don’t have to a credit card.

Find out why you shouldn't use credit cards, how to live a  good life on a budget and how I stood my ground when I let a salesman  into my house yesterday on my blog, www.mytensense.com.