Another spoiled quilter here, but also another debt avoider. Our credit card is paid off automatically each month. We have not had a mortgage in over 30 years. We pay cash for cars. I have my stash will last longer than I do. But there are still occasions when purchases are required. The only “big” clothing items for me are shoes, because I have narrow feet and can’t buy most shoes. I worked 35 years to enjoy retirement—and I am going to!