Credit,,,,,,Good or Bad????

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Here is something you can ponder for a while. This concerns the mess we are in with our economy. If you believe what you hear on the news it would seem that credit being frozen up is the reason we are having so many problems with our economy. If this is true then people were simply over spending and trying to live beyond their means. If this is actually correct then then wouldn't it make good sense to back up and take a very serious look at "ALL" credit. I don't know about others but us ole dumb Arkies are prtty good at solving our own problems. I learned early in life is I was doing something that was causing me a problem the first thing I had to do is stop doing what ever it is that is causing the problem. Wouldn't this Nation and her people be a lot more secure if we didn't even use credit? Seems to me we would be. My personal life is a good example of this. I can't afford to pay payments on anything. My wife died 3 years ago last March and I was forced to adjust my life where I could surive on my Social security. I grant you I don't have a lot but what I do have is mine and I am not paying payments on anything other than my monthly bills, electric, water, phone, TV cable and I am pying on a space in a mobil home park. I know I'm trailer trash but I am living within my means and that gives me a leg up on a lot of people I know. One of the first things that hit me was I knew if I was going to survive I had to get something to live in that was paid for. My wife had a small life insurance poilicy and I took it and paid cash for a good 3 beedroom 2 bath mobil home. It was already set up in a park so all I had to do is get the utilities in my name and them just move in, That is after some painting and fixing up a little. The park I am in is mostly older retired people so there is no problems with bad neighbors. The most important thing is my home such as it is, is paid for. that was probably the smartest decision I ever made. This was really rough when I first started after my wife's death but once I had some time to make the necessary adjustments it was a lot easier. Now it has become a way of life and I make it fine. When I look back now I can easily see that I eliminater sone serious problems in my life by simply eliminating credit from my life. It has taught me there are a lot of things in this life that are much more important in this life than a new home or new car. Think real hard about it. Is there some mothly payments you could live without?