You would save the most money if you waited until you had cash to buy things and didn't have to pay the interest rates associated with taking out credit. Yet few of us are able to save enough to buy a house or a car outright. There are times when you just need credit. You also can't predict when you might have an emergency for which you aren't prepared financially, and credit will come in handy. If you are just starting out and don't have any credit, or if you have a spotty financial history and are trying to rebuild your credit, it may seem impossible to try to convince someone to lend you the money you need to start creating a positive credit history. But it can be done..