There are many people who have lived their lives without the use of high-interest credit cards and have always stuck to paying cash
. Perhaps they know something the rest of us don't. Saving a hundred or so dollars a month in interest fees when you're not able to pay your balance in full adds up to a lot of 'extra' money in a year. That money can go a long way to paying off other debt. If you feel stuck because of too many monthly payments, perhaps you should consider a consolidation loan.