This reply would make @custommuffler proud lolwell you originally said you only use CC for big purchases and debit card for smaller ones ! i was trying to make the point of it doesn't matter if you pay for something from your right or left pocket it still comes out of your same pants . i mean it doesnt make a difference if you put $2000 a month on a CC and spend $1000 a month in cash you take $3000 a month out of your checking acct., same if you put $3000 a month on the CC or spend $3000 a month in cash. and as far as spending $200 a month more when using CC, find out who in the family is just going stupid and spending more and get them a prepaid CC and put X amount on it monthly, tell them if they spend it all thats it THERE AINT NO MORE, you can sit on the porch and twittle your thumbs cause you have no money for gas or whatever it is this month. our government is to blame for this shit teaching people there is no limit just keep spending. if you make $3000 a month and spend $4000 a month it's all good, i am lucky my mother taught me very early in life if you make $3000 a month you only spend $2000-$2500 a month and put $500-$1000 in savings. her teaching allowed me to retire at 55 with everything paid off and i didn't have a job making 2 or 300k a yr, not even 100k a yr . if it's the wife spending the 200 a month extra your screwed, if it's kids teach them a life lesson ( how to live within their means and not try to keep up with the Jones's). like Brandon saying were going to spend 3 trillion dollars and it's not going to cost a thing HOW THE FUCK CAN YOU SPEND IT AND IT NOT GOING TO COST YOU A THING and in the same breath that stupid fucker says were going to raise taxes here and there to pay for it, in the long run it will trickle down to you and me to pay for it. sorry didn't mean to take a right turn with this, DAMN now i got to go take my BP med's
well you originally said you only use CC for big purchases and debit card for smaller ones ! i was trying to make the point of it doesn't matter if you pay for something from your right or left pocket it still comes out of your same pants . i mean it doesnt make a difference if you put $2000 a month on a CC and spend $1000 a month in cash you take $3000 a month out of your checking acct., same if you put $3000 a month on the CC or spend $3000 a month in cash. and as far as spending $200 a month more when using CC, find out who in the family is just going stupid and spending more and get them a prepaid CC and put X amount on it monthly, tell them if they spend it all thats it THERE AINT NO MORE, you can sit on the porch and twittle your thumbs cause you have no money for gas or whatever it is this month. our government is to blame for this shit teaching people there is no limit just keep spending. if you make $3000 a month and spend $4000 a month it's all good, i am lucky my mother taught me very early in life if you make $3000 a month you only spend $2000-$2500 a month and put $500-$1000 in savings. her teaching allowed me to retire at 55 with everything paid off and i didn't have a job making 2 or 300k a yr, not even 100k a yr . if it's the wife spending the 200 a month extra your screwed, if it's kids teach them a life lesson ( how to live within their means and not try to keep up with the Jones's). like Brandon saying were going to spend 3 trillion dollars and it's not going to cost a thing HOW THE FUCK CAN YOU SPEND IT AND IT NOT GOING TO COST YOU A THING and in the same breath that stupid fucker says were going to raise taxes here and there to pay for it, in the long run it will trickle down to you and me to pay for it. sorry didn't mean to take a right turn with this, DAMN now i got to go take my BP med's
i hear ya ! that snack isle is my weakness too, those damn oreo's , cheese crackers and such can make me go over my budget too and then there's the BEER cooler
i hear ya ! that snack isle is my weakness too, those damn oreo's , cheese crackers and such can make me go over my budget too and then there's the BEER cooler
I will agree with this.... it's a great rewards card. And, if you have enough dough to qualify for Citigold or Private Client, Citi will also cover the cost of your annual Costco membership. You can have the Costco card (if you qualify) whether or not you have the Costco membership.I find the best returns I can get are from Cosco Citi Visa card.
I appreciate all the replies this is a smart group of people and I knew I would get good information here..we started today using the credit card for everyday purchases, my wife is on board with it as well.
There is definitely some mental differences for me using debit vs credit. One example is I had to fuel my jeep and normally I just put 20 bucks in at a time when I used my debit card. Well today I used a credit card and figured why not ill just fill up.
I still view credit as money owed so I don't think overspending will be an issue but time will tell.
No good deed goes unpunished right?! got a nice pay raise when i gave it up, but had a heart attack 2 weeks later !
wow I'd of kicked her so hard between the legs id of lost a shoe ! guess thats why I never got marriedFunny, guess I'm an outlier. I am 100% cash.
Ex ran up an $80K credit bill on the sly and I've been all cash ever since.
It's been fun watching people struggle to make change through the bullshit coin shortage.
My credit score is slowly rising but I like being all cash and hadn't planned to change till the 2% cash back notion was brought up.
I'll think about it.
The same thing was in there for bank accounts, as far as I'm aware that was removed.I don't know if this has been touched on yet, but I just recently moved away from using a lucrative CC to pay for virtually everything until I heard Bidiot's infrastructure bill required all banks to report charges/transactions over $600 to the IRS in an effort to crack down on tax evasion. My $ is nobody's business but mine!! I don't know if that part stayed in it, but it's only a matter of time.
You can use a Discover credit card and get cash at the grocery store and some other merchants. It's not considered a cash advance and merely adds to your card balance. No additional fees.I haven't carried a debit card for years. Can't pull money out of an ATM is the only downside but I can ask Mrs App to do it so it all works out.
Still better when Mrs App just gives me her cash.You can use a Discover credit card and get cash at the grocery store and some other merchants. It's not considered a cash advance and merely adds to your card balance. No additional fees.