Hi, NY Newbie here. With the skyrocketing cost of taxes in NY state, I have to pinch every penny! My hubby and I have decided to SHUN credit. We have made it 1 year through our 3 year payoff schedule. It is greuling, but we can do it. I have taken an interest in the handy mixes and recipes on this site. As a working mom, these are hepful and cost effective.