Your attitudes toward credit probably affect how you buy, what you buy and when you buy. Use of credit may come natural to you- the charge account at the store, the "deferred" dental bill or cattle loan. Or, for various reasons you may be wary of credit.
Bivens, Gordon E. and Liston, Margaret I.
"Credit - Tool or Trap?,"
Iowa Farm Science: Vol. 11
, Article 5.
Available at: https://lib.dr.iastate.edu/farmscience/vol11/iss8/5