We get it. Bigger, better, shinier, faster. We all want it. Whipping out your credit card for major purchases because you don't have the cheddar in your checking account is a trap. Credit cards aren't all bad, however. Have a plan for your plastic. It hurts not to have the big screen in your man cave, but if you have to put it on credit to afford it....you're better off just crying out the pain. Don't swipe your tears away.