When I got married 4 years ago our credit card balance was $0. Yes $0. And it stayed at $0 for about a year and a half. We were even able to start a savings! At one point we had $2500 in saving and $1500 in the bank on a consistent basis. In fact, I had a automatic alert set up to tell me when our checking account went under $1500.
I worked full time making $30,000 a year while my husband was going to school. He was a student athlete on scholarship so his "job" brought in about $400 a month. We would occasionally go out to eat. Every once in a while we did buy a few "extras." Like a suit for hubby and a Nixon watch for me. I very rarely bought new clothes. I was proud at how we were saving and staying away from excess spending.
Then I got pregnant. And that changed everything.