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...
One of the motivators in my using credit cards was lotto tickets. I used to use cash to buy stuff, but when gas stations started selling lotto tickets, I’d go in to give a depost for the fill up - wait five minutes while some retard tried to figure out the numbers for his ten lotto tickets, put in my deposit, go fill my car, and then go back in to get my change onto find another moron buying his dozen or so lotto tickts and another 5 - 10 minute wait.