Thrifty Tips

Posts Tagged ‘debt’

Cash, Credit or Debit: Which is Best?

July 21st, 2009

Greetings Thrifty Friends,

First rule of thumb is to get rid of Credit Cards. Using
them are the quickest way to get in debt. You don’t real-
ize it until it’s too late.

Keep pinchin’ those pennies,
Penny

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TODAY’S THRIFTY TIP:

Learn to use cash instead of credit cards. Have one credit
card and use it only for emergencies or major necessities,
such as a new refrigerator if the current one stops working.
Put your credit card in a safe place, not available for
everyday use.

*****

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BONUS TIP: Cash, Credit or Debit: Which is Best?

Cash, credit or debit? You’re asked to make this decision
every time you make a purchase, but what’s the right answer?
Is there a right answer? A frugal answer?

Actually, any of the payment options could be frugal with
the right strategy behind it. You could:

use cash to avoid incurring any debt or chances of over-
draft

use a debit card to avoid carrying cash (which you may
be tempted to spend) and to avoid incurring debt

use a credit card to earn rewards points and pay off the
balance each month

Three different approaches, but all frugal in their own
way.

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