No, I don't want to think about that answer until I get my bills paid off. I put a little away no matter how much I owe. I don't need to save because I will inherit a fortune when my parents die. Do you feel more comfortable using your credit card versus cash or check. No, I need to keep the cash for emergencies.
Credit cards are so convenient and take less time then writing checks.
If no one was looking, yes. Give or take a couple hundred, I sure do. Only when the bills arrive. It doesn't matter how much you owe, its how much fun you have. You've scored as high as possible.