Thank you jennadavies.
I come from one of the far eastern countries and we will never buy anything that we cannot pay for. We just have to do with less.
I do not use my credit card when it comes to the point that I might not be able to pay the balance at the end of the month.
We are taught this at home even when we are very young children.
We also try and put away money for a rainy day, or maybe a nice holiday.We try and save for a downpayment for a home.Very often we share a home with another member of the family until we can save some money;this avoids the cost of rent, or minimizes it for a while.
As Inda posted above:
An ancient Chinese proverb states that money will not solve every problem, yet the lack of money creates a lack of solutions. Money must be earned and spent in a proper fashion.