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Old 10-14-2014, 05:40 PM   #91
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X3!

We are still committed to using only our debit cards or cash, but have considered getting a Pilot/Flying J card for longer trips and paying it off when we get home. Current plan is to save enough that we can just transfer from savings, but adding the extra gas reduction is tempting.
I hear you Sharon! So what if you charge fuel and pay it back as quickly as you can then channel the same amount to an account for next year or next big trip. You can make the next one even better!

I like to have accounts for different purposes and not use money from an account for that which it isn't intended for. I'm too stupid to do it any other way.
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Old 10-14-2014, 07:40 PM   #92
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We utilize credit cards heavily (and yes I have 2, more actually) but do so for the rewards. Between personal and business spending I made about $2,500 in cash back last year, will do about the same this year. The key is we pay off every month and don't carry balances. I figure I have to spend the money regardless so I may as well benefit from it.

Groceries I get 6% back, gas 3%. That all adds up very fast.


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Old 10-14-2014, 08:22 PM   #93
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X2....big time !
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Old 10-14-2014, 08:24 PM   #94
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I'm of the thought to not leave anything for my blood sucking kids lol


Life is a highway!!!!!
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Old 10-14-2014, 08:28 PM   #95
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I'm of the thought to not leave anything for my blood sucking kids lol


Life is a highway!!!!!

I plan on spending every last cent lol


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Old 10-14-2014, 09:50 PM   #96
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I'm of the thought to not leave anything for my blood sucking kids lol
Well, YOU raised them!
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Old 10-14-2014, 10:46 PM   #97
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fx2, sure the cash back features look good but where do you think the money comes from to give you these rewards (?) it comes from the companys that accept these cards, which in turn raise the cost of the items. So you are really just taking money from one pocket and putting it in the other.
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Old 10-14-2014, 10:58 PM   #98
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fx2, sure the cash back features look good but where do you think the money comes from to give you these rewards (?) it comes from the companys that accept these cards, which in turn raise the cost of the items. So you are really just taking money from one pocket and putting it in the other.

That may be so (though it is a bit more complicated than that ) but I'd pay the same price whether using a debit card or a rewards card. Not to mention the increased fraud protection that comes with a credit card vs a debit card and extended product protection with some credit cards.


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Old 10-15-2014, 08:58 AM   #99
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I still say, that if you justify buying a mega-dollar RV, that you can or can't afford, in the name of family fun, you are only fooling yourself, want to impress someone, or you don't understand the concept of how memories are made.

They will remember the times spent together at the lake, the mountains or the beach; the stories told around the campfire... the funny things that happen... the little things, barely noticed at the time. No one will remember anything about the camper, how impressive it was. Material things deteriorate and depreciate, are sold or sit out back rotting away; it is memories that last for a life time.
I love the DW dearly, but I can tell you right now that the only memories my kids would have of camping in a tent would NOT be good ones!!! And we'd be going once a year for a weekend. No more 60 nights a year. No camping form November thru February, either! I must also say that I've never really considered how "impressed" people would be when choosing a camper.
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Old 10-17-2014, 11:28 AM   #100
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fx2, sure the cash back features look good but where do you think the money comes from to give you these rewards (?) it comes from the companys that accept these cards, which in turn raise the cost of the items. So you are really just taking money from one pocket and putting it in the other.

I beg to differ. That money comes from the rest of the credit card crowd that can't pay it off every month and pay 14% or more in interest (I don't know my actual percentage because we pay off every month). For those who they do pay back 2-3%, it's still a big win for them cause the "pay off each month" crowd is probably a fraction of those who pay interest to them.


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