Take heart: Were actually frugal
A relatively small population with huge credit card debt balances can skew the average to make it look like the typical American is carrying a much bigger debt load than he or she actually is. Consider:

23.8% of American households have no credit cards at all — no bank cards, no [...]

Credit cards and spending with credit and on plastic is a fact of modern day life. For the most part, the conveniences outweigh the drawbacks. I say “for the most part” because although the drawbacks to credit cards and spending on credit are few – the drawbacks can hurt indeed.
Consider the following: the average [...]

When we speak about the subject of credit card debt and debt relief, many questions come to mind. First and foremost are the issues of what forms of credit card debt relief are most effective.
And really, these are the 2 most important aspects of credit card debt. No one wants to enter a debt [...]