The Secret Ingredient for Earning Thousands More Credit Card Rewards

Update: There are several reports online (with reader comment confirmation) indicating that Office Depot is no longer selling Vanilla Reload cards.  If that is the case, the following earning opportunity is not nearly as lucrative. If you don't collect credit card rewards, then good for you.  This post isn't supposed to convince anyone to jump ship.  However, if you're a credit card user, I … [Read more...]

Is Credit Card Usage a Sin? Are Credit Cards Unbiblical?

A few months ago, I had a very loving, yet honest, email from a reader who was upset that I promoted credit cards at Help Me Travel Cheap. The main concern was that using a credit card is accumulating debt. The reader assumes that debt equals sin so credit cards must be a sin. I decided not to publicly respond to the concern and had a healthy email dialogue with the kind woman. Over the last … [Read more...]

The Simplicity and Complexity of Debt

Debt. It's a huge issue facing North American Christians and churches.  It is debt that is choking.  Straining.  And burdening so many people. Debt is consuming resources like money, time, mental energy, and focus.  Those resources ought to be devoted to other more important things.  But they can't because future funds have already been committed to pay for things people couldn't afford … [Read more...]

Money Saving International Travel Tips | Lessons Learned from Three+ Months of Travel

I was writing a random post about our furlough, and at the very end of the post, I realized that there was a great opportunity for me to share some of the things we did on furlough to save money traveling. However, the suggestions were too many to tack onto the bottom of that post, so I decided to break up my thoughts into an independent post. Money Saving Travel Tips 1. Fly Southwest … [Read more...]

How To Get Out Of Debt: Channel Your Impulse Buying

One of the most effective methods that we decided upon when figuring out how to get out of debt, was to channel our impulse spending. This has helped us to both get out of debt faster and to develop discipline with our finances. How to Get Out of Debt by Evaluating Expenses In talking with people about their finances, I've found that one of the problems that many people face when trying to … [Read more...]

What Romans 13:8 Teaches About Financial Debt

Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law. (Romans 13:8 NIV) This week someone very kindly, politely, and respectfully challenged me to rethink my position on debt and credit cards.  Her belief is that when one uses a credit card (even if it is paid off every month), she is in debt.  Romans 13:8 was one of … [Read more...]

A First at MH4C … A Credit Card Product Promotion | 100,000 British Airways Bonus Miles Offer

In nearly two years of blogging I’ve (to the best of my memory) never promoted a credit card on this blog.  I do, however, know for a fact that I’ve never done an entire post on a single credit card. However, this offer seemed too good to pass up. First, a story. Several months ago, British Airways was offering an opportunity to get 100,000 miles with a credit card sign up.  For some … [Read more...]

How to Get Your FICO Credit Score Online (Any Free FICO Score Options?)

Confession time.  At this time last year I’d never checked my FICO credit score. About 5-6 months ago I decided that your FICO score matters, and so I signed up for a free account at Credit Karma (at the time I didn’t know that Credit Karma doesn’t even give you your FICO credit score, but other credit scores) to help me monitor what’s happening with my credit.  Before that point, I’d never … [Read more...]

8 Ways We’ve Saved Money in the Last 8 Days

Every day most of us pursue opportunities to save money. The things listed below are really good ideas, and I think you should try them, too.  Other ideas are simply silly, but still things I do. 1.  I shaved with an electric razor and a blade razor. I love the feel of a blade razor.  I don’t know if my face is broken or what, but electric razors never seem to get a close enough shave.  … [Read more...]

The Tragedy of Debt

Over the last few weeks, I’ve been convinced that I need to take a stronger stance against debt and offer more resources for people who are in debt.  I feel like I need to point out both the seriousness and ludicrosity (yes, I made up that word) of debt. As I’ve been working on my call for simple living and generous giving (in the form of a book called Transforming Your Financial Diet: 7 Steps … [Read more...]