I Stress About Stress Before There Is Stress To Stress About

@NodandaWink I'll never do credit,I've watched everyone I know go way way way into debt and still trying to crawl their way out.

Thatv is foolish. Pardon me for being blunt. Credit is a necessity in todays world. The trick, and you're already half-way there with your concern, is not to abuse or misuse it. If you know the money is coming in a certain time you can do the transaction now and pay it off in a week when you get your check. The trick is simply to pay it before you incur interest charges. If you are smart with credit it is a great thing. If you,are foolish then yes it can be a nightmare.

I understand how credit works,thank you though. It's just not a option I'm willing to persue.

I think if you really understood how it works you wouldn't have that attitude but you'll have to come to that understanding, or not, in your own time and way.
So I guess, embrace the stress! Much luck.

Maybe it's that I do understand credit but you don't understand my families cronic money situations. But thank you for the well wishes on my anxiety.

I do get chronic money problems. Also I understand if you feel you won't have the discipline to use credit wisely. Best not to put the temptation in front of yourself. I hope you resolve your troubles soonest.

You nailed it on the head,I don't trust myself or my husband with them.