> > My credit cards are gone. > > If you're disciplined enough to not need credit cards, why not get a rewards card > that has no yearly > fee & pays you in cash, and then just pay it off every month? Surely the extra 30-50 > days or whatever > your money sits in your interest bearing checking or savings account will pay you > more interest than > whoever you wrote a check/paid cash to (even if it's just 1% APY), plus your > purchases can pay you > 1-2% back. > > I'm not a financial adviser, so don't listen to anything I say.
Spot on exactly what I do. Most of them come out to be about the same % wise that you get back. It is just a matter of which 'prize' you want. That reminds me time to get 5x100 dollar best buy cards Got legos last time for a gift.
Then combine it with other stores rewards programs. Works out pretty good.
The only downside is plastic is easy to swipe and gives a mental disconnect on the cost. Which is what gets many people into debt in the first place. Pretty much if you cant pay for it do not swipe it. You will never catch up. Those cards are stacked in such a way to insure it.
There are a lot of smart MBA's out there who like to separate you from your money.
Index 
Flat 
Re: So if you had of listened to your Loony Bin Financial Advisor
Reply
Got legos last time for a gift.
