i am using cash only....i figured out about what i need weekly for food gas extras....put in envelopes....when i am using cash only...pack of gum 1.49 give 2.00 dont spend change either...at the end of the month use left over to pay down charge card...when done deposit into saving,,,this is working for me paid off two credit cards
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When credit card debts are paid, don't shred your cards
You need a good credit score to get the best rates on insurance (auto/home) & be eligible for loans and cash-back credit cards. You also need credit cards for car rentals, airline tickets, motel reservations, roadside emergencies. So keep 2 or 3 credit cards that pay cash back (usually 1%, sometimes more). Use them several times a month for small purchases (never more than 10% of your limit) & pay them off every month... (Click title for more info.)
Even if you have paid off your cards in full, make sure you still have credit cards for the benefits listed. A loan for a medical emergency or co-signing a college loan for a child may necessitate a high credit score. (Source: Sept-Oct 2010 AARP Magazine.)
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