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I agree, I still budget as though I'm paying with cash, but always use a credit card and just pay it out at the end of the month. It's convenient, I earn rewards points and I'd rather the money sit in my bank account for a month than the banks. I don't think I've paid interest on any debt...

Not sure what's idiotic about that type of finance... it's the people who have no control or buy beyond their means and don't pay it out that are the problem. For me personally, I've used interest free finance a few times. If someone wants to give me money for free, then I'm all for it. The...