Same here. Debit card takes the place of cash. I haven't had much in the way of cash in 15 years. I don't know what people think a debit card is, but it sure isn't a credit card!
I've used credit cards, often way too much. We set things up to pay the mortgage as fast as possible. That meant not a lot of extra money. So when a kid ended up in the hospital 200 miles away, a bunch of money went on the card. When a car broke down or tractor broke or something else happened it went on the card. The important thing was that back then, the card was a 3.99% interest rate!!! With todays interest rates approaching or more than 20%, using a credit card is stupid unless you can pay it off monthly. I have never been able to do that before. I have zero CC debt now outside of Lowes. I can live with that.
I have had cards that gave me airline miles. What the heck do I need airline miles for? They are absolutely worthless to me. I wouldn't fly without my wife holding a gun to my head. I also had ones that gave me "bonus points" that I could use at places I'd never heard of, much less would ever go to. Ooooooh! I earned 5000 bonus points I can use at Disneyland! Whooptefreakin'doo! No one "makes money" with a CC.
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Today's Featured Article - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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