After over a year of being car-free, I just made my last credit card payment the other day. To date, I've paid off nearly 6500 dollars in credit and other miscellaneous nonsense from my marriage, college, and irresponsible teen years. I have not been without credit card debt since I was 18 (now being 25). It's a nice feeling, and I think I'm on to a new credit-free lifestyle as I balked at spending two dollars on a drink when I realized I left my debit card at home and only had the credit card. Now those pesky student loans, that may soon be growing, are a whole other issue. Car-free FTW!