The Recession
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The Recession
| Tue, 02-23-2010 - 10:03am |
Has the recession caused you to change your lifestyle, including the decision to SAH or WOH?
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she piles all of her spending on a credit card then pays it off when she gets the statement.
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Ducky
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Ducky
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Ducky
Does your debit card have fee when you use it? Or only if you get cash?
It is only risky if you can't or don't pay it off before the bill is due. We use cards are in just the same way. We got a $500 check from our credit card company last November because of points earned. We paid no interest or fees on any of our cards. With the change in credit card legislation last month, I will keep a close eye on changes, because I think fees will start to be charged soon.
I also do the budget in our household and I can download each banking transaction, debit or credit, and track our purchases. It is enlightening. We can live on little, we have lived on little, now we're living a little as life is too short and we can't take it with us.
oh, ok, that's not a big deal to me.
I guess I am in the middle ground on this one.
We use a credit card for all on line shopping, any big ticket item where we are going to pay with money in savings and anytime we purchasing an item that is being ordered. DH also uses one when he is making a purchase that would not be considered a day to day purchase and he has not had a chance to talk to me about how our checking account is sitting (I am the keeper of accounts).
For day to day purchases we use debit. We have no fees for using it.
Add on: Just remembered another time when we use credit cards. When traveling pretty much anything that we don't use cash for goes on a credit card.
Edited 3/12/2010 1:08 pm ET by emptynester2009
I do that. Almost all of my non-mailed-bill expenditures go on our cc. Groceries, gas, clothing, etc.
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