Shine
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Thu Feb-22-07 02:24 PM
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Poll question: How do you most often pay for things? |
Midlodemocrat
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Thu Feb-22-07 02:24 PM
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1. I said Debit. I'm trying not to use our credit cards. |
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I want to go a whole year without putting anything on any one of them.
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lildreamer316
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Thu Feb-22-07 04:22 PM
Response to Reply #1 |
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I know you have a lot going on, but I know it's possible. I also know it's a hard habit to break. Good luck!
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Shine
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Thu Feb-22-07 05:08 PM
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21. That's a worthy goal, indeed. |
Strawman
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Thu Feb-22-07 02:26 PM
Response to Original message |
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Edited on Thu Feb-22-07 02:26 PM by Strawman
Don't get charged like normal debit and I usually get hundreds of dollars in points to buy holiday gifts with by doing it that way.
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AllegroRondo
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Thu Feb-22-07 02:33 PM
Response to Reply #2 |
5. best way to use a card |
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it costs the vendor more, but you get better protection on the credit network. Your bank gives you those bonuses because they can charge the vendor more for this transaction.
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Phillycat
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Thu Feb-22-07 04:10 PM
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Callalily
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Thu Feb-22-07 02:30 PM
Response to Original message |
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everything via credit card.
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Gormy Cuss
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Thu Feb-22-07 02:31 PM
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4. It depends on the size of purchase. Under $25, almost always cash. |
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I'm old fashioned when it comes to money management. I take out money from the ATM to cover incidentals for 1 to 2 weeks. If the cash is gone, I stop buying. It's how I learned to save when I first started working and it's still easier for me than keeping track of checks or debit cards for small retail purchases. I don't use debit cards at all. I know, I'm a Luddite. :blush:
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Shine
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Thu Feb-22-07 05:13 PM
Response to Reply #4 |
25. I've started using my debit card over the past year or so a lot more |
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mostly for when I'm buying groceries and small misc. items. But I tend do write checks to pay all my bills. I don't think I'd ever be willing to get to the point of paying all my bills online. In that sense, I'm old-fashioned, like you. :pals:
:hi:
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Omphaloskepsis
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Thu Feb-22-07 02:34 PM
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6. 95% of the time I use my debit card.. n/t |
AlCzervik
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Thu Feb-22-07 02:35 PM
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7. i really try to use cash instead of the debit card. |
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whenever i use cash i buy what i need and nothing more, no impulse purchases.
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Call Me Wesley
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Thu Feb-22-07 02:36 PM
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Unless I order something online, because these sillies never get warm with my idea of "Hey, I just fax you the money, OK?!"
In stores here, always cash. Gone is gone, I think. :hi:
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Omphaloskepsis
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Thu Feb-22-07 04:19 PM
Response to Reply #8 |
15. Do you have debit cards over there? |
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How mine works. It has a Visa logo on it so I can use it anywhere Visa is accepted. It pulls the cash directly out of my checking account. I can't spend more than I have. People seem to confuse the Debit/Credit thing.
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Call Me Wesley
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Thu Feb-22-07 04:23 PM
Response to Reply #15 |
17. Yes, we have debit cards. |
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But credit cards seem to be more usual, unfortunately. Debit cards is the way to go. :hi:
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billyskank
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Thu Feb-22-07 05:12 PM
Response to Reply #17 |
23. Do you have electricity too? |
trackfan
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Thu Feb-22-07 02:36 PM
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9. Credit Card - but I use it as a "charge" card i.e. don't carry a balance. |
CTyankee
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Thu Feb-22-07 04:28 PM
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19. Me, too. I like to say that I'm their worst customer because I never pay |
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interest. I "discovered" that interest on credit cards can be avoided if you pay off your entire balance each month. Once I started doing that (about 15 years ago) I enjoyed "extra" money in my budget! Oh, yes, you have to have a budget, or if you prefer, a "spending plan." I don't know how people manage without an overall budget of how much goes out, as well as how much goes in. It is liberating, actually!
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ForrestGump
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Thu Feb-22-07 02:39 PM
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10. used to eb credit card, then debit card, and now -- because my entire income is cash -- |
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I tend to use cash whenever I can. I still use my debit card sometimes, though, and always for gas -- it's a hassle to dump cash into my bank account, so I'd rather go for the cash-economy motif whenever I can and I tend to deposit cash mainly to cover my rent and the bills paid online and my Paypal adventures.
I'm also to a pretty decent degree "off the grid" and, as long as it remains practical, I'd just as soon stay that way.
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billyskank
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Thu Feb-22-07 02:40 PM
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Jimbo S
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Thu Feb-22-07 04:09 PM
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12. Everything on the credit card. Never use the debit card. |
demrabble
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Thu Feb-22-07 04:10 PM
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wildhorses
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Thu Feb-22-07 04:28 PM
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18. a combination of cc, dc, checks and cash-- |
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i still pay my monthly bills by check. i use cash for most entertainment and extracurricular activities. i use credit card when i am out of town or for emergency type stuff. i use my debit card if i am caught without cash...
i dunno it works for me...and yes, there is a method to the madness
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bluethruandthru
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Thu Feb-22-07 04:52 PM
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Pay it off each month so no interest...and a percentage of what I charge on it each quarter goes towards the principal on my mortgage!
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Shine
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Thu Feb-22-07 05:15 PM
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guitar man
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Thu Feb-22-07 05:12 PM
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...it's nice to be able to track all my spending by reviewing my bank statement once a month.
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ganeshji
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Thu Feb-22-07 05:13 PM
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I'm dangerous with a credit card and I dislike banks.
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bridgit
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Thu Feb-22-07 05:14 PM
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Broken_Hero
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Thu Feb-22-07 05:20 PM
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