The haters I know have “stuff”

credit cards

I’m sorry, but I don’t need “stuff” to make me happy. These are the same people who have been paying on their house for 20+ years and owe 3x what they initially purchased it for.

I’m hated because I am a stay at home mom and we don’t need 2 incomes to make it. I stay home to make sure everyone stays on track. DH traveled for his job for almost 20 years before he was able to cut back–I’m talking 40+ weeks on the road. Now we are changing directions after he took the early retirement option, but they only see he is not “working”. they see us doing improvements on the house and yard, but don’t know how we can afford it…no CC, so that money can be spent elsewhere.

I have not used a credit card since 2007

credit cards

don’t miss it, and really don’t WANT one. Since I don’t *have* a cc, there’s no way to slip up and charge something. Now having said that, I realize it can be a total pain to rent a vehicle *without* a credit card. I”m under the impression that you can PAY for a vehicle with a debit card, but you can’t RESERVE one with it. I’m looking at renting a motorcycle when I go to Reno in April. They want a credit card with a $1500 limit for the deposit. I’ve considered getting a credit card with just that limit on it. If they actually charge the deposit, I’d get it back when I return the motorcycle. So it would be debt in name only. I still haven’t decided what to do, because I certainly don’t want to have to walk in there with $1500 CASH for the deposit…
I don’t consider pulling from your emergency fund going back into debt, so I can say I’ve *never* slipped up since getting rid of my credit cards…