Preparing for what?

[bigpaul]

when i left home to get married (the 1st time) my father said to me: dont get into debt, if you want something save up for it. so i've tried to live by that or a modern version of it, nothing goes on my credit card that i cant afford to pay off at the end of the month, normal house expenses i use either cash or a debit card, bills are paid by cheque as soon as i receive them (that way i dont put them somewhere and forget about them), we havent got any debts(full stop) and i reckon if i havent got any debts then i dont get hassled by debt collectors or banks, i'm all for an easy life