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Posted Mon Oct 8, 2012 11:04 AM
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Posted Tue Dec 16, 2014 9:25 AM
Got into real trouble when I was young, but learned my lesson, and have remained a 100% debt free adult for 40 years now.
I use a pre-paid "debit Visa" for shopping on line. Other than that, if I can't pay for it, I don't buy it (and my toy chest doesn't suffer....just takes a little longer to fill)
Posted Tue Dec 16, 2014 9:49 AM
I use a credit card with cash-back rewards, but I do not pay it off monthly.. I pay it daily. (or at the very least, once a week)
In other words it essentially becomes a "debit card with hassle". e.g. I buy gas for $50, and something at the store for $25. That night when I'm at home I make a payment of $75.. so I am constantly paying. To me it just works better for the money to actually leave my bank account as it's used, rather than one lump sum at the end. Just saying.
Edited by NE146, Tue Dec 16, 2014 9:50 AM.
Posted Tue Dec 16, 2014 11:15 AM
I clear the slate each month. The interest percentage is just too high.
Quite a few cards only allow 26 days to get to it, instead of a full month.
It may sound boring, but the brochure that comes with it is pretty interesting. Lots of neat tidbits in there (both good and bad).
Posted Sat Aug 20, 2016 11:45 PM
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