Nope. I got myself into some credit card debt years ago (nothing intense that I couldn’t handle, but enough) and I’ve gotten into the habit of not spending unless I can pay for what I buy. My only debts right now are student loans, but there’s not a whole lot I can do about that right now.
No. I keep a monthly budget of mandatory expenses for our household of three adults and pay the bills accordingly. If I run short or do something from left field then I will let down two other people who rely on me to keep our bases covered. The slight pressure of it has been good for me, I like it.