tag:blogger.com,1999:blog-2212741399857110313.post8752833563258112197..comments2024-03-11T11:13:12.066-05:00Comments on Homeschool and Etc.: Pay Cash = Pay Less?Happy Elf Mom (Christine)http://www.blogger.com/profile/15047347624037697311noreply@blogger.comBlogger7125tag:blogger.com,1999:blog-2212741399857110313.post-2122355744923350462009-10-06T08:43:19.459-05:002009-10-06T08:43:19.459-05:00I hate spending money. I love using my credit card...I hate spending money. I love using my credit card. I pay every month because I never buy things I can't afford [smile]. It's just an electronic way of paying for stuff with a percent or two back now and again.<br /><br />And I never have cash on me.<br /><br /> ~LukeLuke Holzmannhttps://www.blogger.com/profile/07799632321310461828noreply@blogger.comtag:blogger.com,1999:blog-2212741399857110313.post-79061530387422373942009-10-06T05:45:30.073-05:002009-10-06T05:45:30.073-05:00Like MyKidsMom, I actually use my debit card most ...Like MyKidsMom, I actually use my <b>debit</b> card most of all. It offers the convenience of plastic, without the temptation to send in the minimum if money is tight. Since the moey is withdrawn for our account right then, it's almost as good as cash.<br /><br />But being a real tightwad, I make a point of simply withdrawing the $60 bucks to fill up my gas guzzler. It is a bit of an inconvenience, but driving a Suburban means gas can be a big expense during busy seasons and I really don't mind driving by the ATM to save a bit.<br /><br />Mrs. C, I think it is so great that you pay off your balances at the end of every month. There are people that are responsible enough to do that. However, statistically speaking, most Americans are not. For most folks, credit cards are a way to get what they wouldn't be able to get any other way. Buy now, pay later. Plus interest. Since you, being a responsible credit card user, don't pay interest, my example was a poor one.Elspeth https://www.blogger.com/profile/17495546895657214080noreply@blogger.comtag:blogger.com,1999:blog-2212741399857110313.post-7755389979995454622009-10-06T00:35:05.026-05:002009-10-06T00:35:05.026-05:00I hate the gas stations that won't take credit...I hate the gas stations that won't take credit cards. They are annoying and I avoid them when I can. Especailly since I usually don't have more than $20 cash in my wallet.Daddy Foreverhttp://daddyforever.com/noreply@blogger.comtag:blogger.com,1999:blog-2212741399857110313.post-21335921017901827672009-10-05T18:07:40.025-05:002009-10-05T18:07:40.025-05:00I don't technically use credit or cash much. I...I don't technically use credit or cash much. I love my debit card because I can only spend what I really have (versus credit), and I don't have to worry about losing the cash. However, it sounds like the credit (one bill) set-up works well for you. But I don't think most people are as smart or disciplined as you are in keeping up with it. And I know a few people who literally seem to think it's a bottomless reserve for them to get anything they want. You know what I mean?<br /><br />My local dollar store charges an additional 50 cents on any purchase under $5 that you pay with a debit/credit card. I suppose more stores will eventually do the same thing. I might just have to start carrying around cash again.MyKidsMomhttps://www.blogger.com/profile/08829690651886059542noreply@blogger.comtag:blogger.com,1999:blog-2212741399857110313.post-6765037772180601142009-10-05T17:34:52.828-05:002009-10-05T17:34:52.828-05:00I like cash, or if I must cheques because as a *vi...I like cash, or if I must cheques because as a *visual* I can keep tabs on where my money's gone better. These bits of plastic aren't *real money* you know. I can trace my spending easily by going back through my chque book & cash I can only spend what I have ~ which is a good thing, yes?! Liddy now, she uses her card for absolutely everything, including getting her hands on cash! I hate when I have to use a card because I actually don't even own one. [Borrow Lid's; how sad's that?]Ganeidahttps://www.blogger.com/profile/17176246964466185315noreply@blogger.comtag:blogger.com,1999:blog-2212741399857110313.post-54684641396753559082009-10-05T16:29:33.739-05:002009-10-05T16:29:33.739-05:00Well...
I guess I look at credit cards entirely d...Well...<br /><br />I guess I look at credit cards entirely differently altogether. I use them to pay for everything and then just send the one check in the mail. This way I'm not wandering about with $350 in cash in the bad area of town where Sam's Club is. (Anyone wanting to rob me for my mega-toilet paper and six-pound bag of cheese can have 'em.)<br /><br />I pay when the statement arrives, and Discover GIVES ME MONEY. I mean, it's magic. I'm going to order something new for my oldest boy from L.L. Bean because I have $200 in "gift cards" from Discover.<br /><br />I suppose on paper I am "in debt" each month, but then, if I pay it each month I don't see the problem with it.<br /><br />Our problem comes from MISuse of credit, not USE of credit IMO. I think our government so totally does *not* get it. I wouldn't loan 'em a thin dime, either. :]Happy Elf Mom (Christine)https://www.blogger.com/profile/15047347624037697311noreply@blogger.comtag:blogger.com,1999:blog-2212741399857110313.post-7853282531293580322009-10-05T15:59:01.214-05:002009-10-05T15:59:01.214-05:00As one who patronizes a certain gas station becaus...As one who patronizes a certain gas station because I get more gas per buck when I use cash, I understand this. The fact is that it is a convenience fee charged to the credit card user, and that may be unfair since the credit card user is already paying the bank a convenience fee (interest), but hey, all the more incentive to pay cash. <br /><br />Our country is a heck of a pickle right now because the government AND individual citizens are too dependent on short term loaned money (i.e. credit).Elspeth https://www.blogger.com/profile/17495546895657214080noreply@blogger.com