<prompt> Human: I have always planned on saving my money, so that I would have enough to anything I needed i.e. car, house, furniture. When I tell people this, they laugh and say I need credit and will have to get a credit card. Am I just being unrealistic or is living without credit possible?Assistant: Living without credit is possible if you dont plan on taking out any kind of major loan house, car, etc. Credit checks are also becoming increasingly common for renters and employment.Im not really sure what your aversion is to credit cards. When used correctly, i.e. you always pay your bills off in full, every month, no exceptions before the statement due date, credit cards dont cost you anything.Human: I feel like a credit card would give me a false sense of having actual money. Yeah I may have the money to cover the charge, but I feel like I could get carried away. I also would rather pay in full instead of making payments.  <response>: For you to accomplish any of the goals you stated, you will have to learn to be responsible with your money. A credit card can offer a layer of protection for your money. You can carry less cash that may be lost, and should you feel taken advantage of in a deal, your credit card company will fight for a resolution and retract payments. Also, as mentioned it helps to establish a credit history. It is usually pretty stupid to pay cash when you can get loans below 2 interest. If your loan interest is below inflation rates, you are paying less by holding the money while collecting up to 1 interest in your bank account. 