I always have something on the card, like the monthly gym membership fee, etc etc. But charges for things that I didn't plan to spend on; like a $1300 repair bill for my truck back in February; is what irks me to no end.
Now that those unexpected charges are behind me, I look forward to putting that extra money away.
I don't see how people don't consider putting away $500 per month in savings the normal thing to do.
Good for you. It takes discipline to keep it that way. And common sense. That money is very expensive money.
Never having "unclean" credit cards, I can only guess what it is like to get out from under the ridiculous charges applied by credit card companies. There was only one time in my life that my monthly balance was not completely paid off by the correct time, and I make sure it does not happen again.
Considering that right now the lowest APR I'm being offered is 14.9%, it is indeed expensive money.
Back in the hey day of cheap money, my cheapest line of credit used to cost 2.99% per billing cycle for up to $25,000, but this was only for balance transfers and it would last twelve months at a time. That was fun though.
It's not a matter of want, it's a matter of need...
$115,000 in Piantini is probably a one-room apartment. a 2-3 bedroom apt should cost more like $150-170K. Take someone with a "good" salary here, say $3,000/mo and there you have the need for financing at any cost available.