Do you think it is every okay to use a credit card for something that you really cannot afford? If you know that you can pay the credit off in a short time, would you? I think there can be some instances in which this might be okay but it would depend on the purchase and how soon you can pay it off. I struggle with this one a little because I think in some cases it's okay, but in others it most certainly is not. I think that when you buy a house, you can go into debt and pay for it. But other things I really think it's important to pay cash whenever you can. I think that it;s never ok to spend beyond your means when you are buying non-necessities and if you find that you have to use credit to pay for normal expenses then you are most likely in over your head and need to scale back.