No, thats fair. I struggle to figure out when so.eone is being confrontational even irl.

I think its a good standpoint to have, saving to buy is a good way to stay out of debt. The only downside is when it comes to buying a house, if you dont have a credit history, then you might fail the credit checks because theres no proof you can stick to repayments.

Things like phone contracts and bills help with that. It may even be worth getting a credit card to pay for groceries and then paying back the credit card with your wages each month, with the money you would have spent on groceries anyway, just to build your credit score.

I dont use saving on phones. I use them on car and house repairs. On my kids clothes etc.

But you do you, and I'll do me. Im managing just fine and im not poor (at least not relative to other people in my circles) (obviously most people are poor, its all about perspective, but thats neither hear nor there)