My generation paid cash, if we didn't have the cash, we didn't purchase it.
I never had a credit card till I retired 14 years ago.
Now I put everything on a card even if it is a dollar purchase.
I mean everything, Dr bills, Auto/home ins,utility bills everything!
They pay me 1% back on all of my purchases and I have 30 days use of their money, while mine is earning $$ and I haven't paid a red cent in interest in all that time.
Whats not to like about that?
But you have to discipline yourself, because once you pay interest,
THEIR cash register goes cha-ching!!
