Year before last I finally paid off my car loan and then last year I paid off my credit card FINALLY. I have since cancelled my credit card and only live within my means now. I also don't have mobile bills and opted for a pre paid account after getting into serious debt with monster bills.

DH has a credit card with a $500 limit and he paid his car off end of last year, so now we are both debt free. We do rent but will eventually inherit the house we rent so we don't have a morgage.