[from occupied ga]

I pay for everything that I can with a credit card now, and I never pay any interest because I pay it off in full every month. The credit card has several advantages:

1. I get 1.5% cash back
2. I see exactly how much I'm spending and on what
3. Some purchases qualify for an extended warranty
4. I can buy stuff on line without using the odious paypal

just to name a few. There are some people who shouldn't have a credit card. One of my wife's friends couldn't get the concept that credit was not the same as cash, and that borrowed funds had to be repaid. She's always whining about how broke she is, but stints herself nothing.

[rarestia]

As a recovering alcoholic, I’ve found that addiction can rear its ugly head in just about anything. I cut the credit cord many years ago, because I was finding that most luxury items could be had at the “swipe of a card.”

Instead, my wife and I budget our funds every month and only spend on large purchases when we have double the money saved that’s needed for the actual purchase. We are graduates of Dave Ramsey’s Financial Peace University, and we couldn’t be happier with our debt-free life.

Say what you want about “Cash back” and other gimmicks used by the card companies, I prefer to live my life under my own auspices. I don’t ever need to worry about reading fine print or dealing with the stress of calling an 800 number to deal with account issues. It’s much more peaceful this way, I believe.

To each their own...