So, it goes something like this...
You want to buy a car, nothing extravagant, just something to help you work, play some good tunes while getting you where you want to be, hassle free - all with a least a little bit of style.
Say you buy a new car for $20,000. You've got nearly 10% to put down, which is good, because that'll pay your tax. The cost is still $20,000. You've just said good bye to that $2,000 downpayment, and you are not even off the lot yet. Then, we are going to assume you've got some decent credit rating, and you've done the leg work, and got a loan for 4 years at 6% interest. Over the 4 years (don't even think of going for 5 or 6 years), you're going to pay another $2545 in interest. So that $20,000 car actually is going to cost you $24,545.
And the story only gets exaggeratedly worse for consumer credit card debt. Interest rates are higher, and pay times often longer. It's a lot money, and I think you'll agree, a waste of money - all because, bottom line, you are too impatient to save for something.
But this is only money. The numbers do not tell the whole story. If you are in debt, your life choices become limited. Firstly every time you buy something on credit, you are taking away future choice of spending. And your credit card bank now owns a piece of you, and will be present in every financial decision you have to make.
If you are a spiritual person, this should really bother you. For you cease to be free, and rather than a loving benevolent God being the Lord of your life, Chase, or BOA, or Capital One etc... are the lords of your life. Ponder it. Find something free to build up your self esteem, and save.