I own my own home and wouldn't have it any other way. I can not see paying money to someone when I could be paying a mortgage. I also don't believe in paying interest, I feel it is throwing money away. I use credit cards but when the bill come I pay the entire balance, except if there is an emergeny and I had to use it then it might that a month or 2 to pay it all but never more then that. Oh and I am not a woman of means I just know how to handle money very well.