I cqan appreciate where you are coming form but I fugure the 3 hours a year aI spend on this stuff earns me about 1000 or more. That’s a pretty good hourly rate.
Additionally I never see credit cards as sinking me into debt. Think you miss what I am stating. Regarless if I pay cash or credit I have to eat and have a number of other expenses that will never disappear. I just choose to use credit to pay now but simultaneouly but the same dollar amount in a bank account. I don’t see how I am actually in debt. I just have access to more cash. 1 dollar in the bank and 1 dollar owed is still 0. The difference for me is that the dollarin the bank pays me 5% the dollar owed currently costs me 0.
Over time this strategy affords me a vacation, or big screen TV etc.
I’ll readily admit that I cut coupons from the Sunday paper on itemms that I wouold normally buy aswell. Minimum monthly saving of 125$ a month. Again not something everyone would want to do but certainly adds up over time.
