Quote:
Originally Posted by redpoint5
It's not a matter of debate. People must spend some money, and it's possible to save money by putting purchases on a credit card rather than a debit card. Earning some % back is better than earning nothing back on purchases.
|
Personally, I feel that spending money is a choice. You choose to believe that you must, so you do.
I choose to believe that I don't have to spend money, for anything, and seek to live my life in the best ways possible, without it. When there's a need, then I seek ways to minimalize or eliminate the need, and in some cases to seek a return. Conservation has almost entirely eliminated my utility bills. Shopping frugally and for health results in food lasting much longer, and fewer trips to a store.
These things make much more of a difference than "saving" 1%, after spending 1000% more with a cc, plus the inconvenience of sending in your payment once a month, unless this is done automatically - so the disappearing amounts are not seen.