Point well taken, but the management of short term debt takes a great deal of discipline. Technically, I use a CC for almost all of my card purchases as my PP acct is tied directly to a CC and not a bank account. But it is paid off every month so essentially it is a short term interest free loan of sorts.
Sadly in my experience, I know a lot more folks who are managed by their debt as opposed to the other way around.
I don't think that most cash-only hobby folks have money buried in their backyard. Could be wrong.
Of course when I find a seller that will let me pay over time with no charge, then that's a bonus too.
