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Prior to our departure, we opened a travel credit card account that was only for the trip.
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This made the trip so much more enjoyable than coming home to a stack of bills!
When money was super tight and we were aggressively fighting debt, we pulled cash from the bank and divvied it up into different envelopes. Since we paid off all our debts, we’ve gotten a little more relaxed about the envelope system. Feel free to disagree, but the proof is in the pudding. And we plan to put huge down payments on anything that might involve a look at credit scores.
We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to and affiliated sites. Once upon a time I thought it was impossible to live without credit cards. But we were spending funds we didn’t yet have, counting on having enough at the end of the month to pay the bill.
We participate in other affiliate programs as well. I think that motherhood should be savored, like a good piece of chocolate. Even if I had the funds “to pay it off every month,” it was the convenience I couldn’t live without. This worked fine for us until we hit a slick patch of unexpected unemployment and then it was a slippery slope into debt.
When I swipe the card, I know that I’m paying with my own money and not the credit card company’s. We tend to research and think about the purchase ahead of time.
This helps us make sure we really want it as well as to secure the funds in cash or check to pay for the item.
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