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...]

How I Consistently Get Thousands of Dollars of Free Flights Annually

With all the anti-credit card sentiments out there, I usually try to repress my true feeling about credit cards. Occasionally, I slip and say positive things about credit cards. I think my last positive mention was during the British Airways 100,000 mile promotion. Here's a basic summary of my thoughts on credit cards. If you are organized and disciplined, using credit cards can be anywhere … [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...]

Best Ways to Maximize Cash, Credit Card, and Debit Card Rewards

Yesterday, Jason was kind enough to write a guest post on how he maximized rewards.  Today, I’ll give my thoughts on the subject and share what I believe are the best methods for maximizing your credit card and debit card rewards. #1 Cash: Reward Potential – Unlimited if it Helps You Stay within Budget You might be thinking that you don’t get any cash back with cash.  Yes, that is true. But for … [Read more...]

DIY Rewards Cards: Pay Yourself Back Without Going Into Debt | Guest Post

Today I’m publishing a guest post by Jason Jacobs. Jason Jacobs is a missionary in a web programmer's body. In addition to working on financial fitness, he also spends a lot of time writing about his journey towards physical fitness. You can follow his progress at Finding My Fitness. Many of us are probably trying to get out of credit card debt quickly. We’ve also seen the ads telling us the … [Read more...]

50 Personal Finance Questions |Get Help Setting the Right Financial Goals

I think everyone would be well served by breaking their lives into major categories and assigning goals for each category.  Fortunately, finances are one thing that already often get included in New Years Resolutions. To kick start the process, I’m going to ask you a lot of questions.  If you hesitate, put an * by that question and go back to it.  Spend some time thinking about and researching … [Read more...]

How To Protect Yourself from ATM Theft

ATM theft and ATM fraud is on the rise as thieves become bolder and smarter! ATMs have always been dangerous places - pictures of people being held up or attacked from behind always flood my mind when I think of this sort of theft. However, with the ever-increasing ability to pack powerful technology into a tiny device, skimming has now become a major problem. According to an article on … [Read more...]

10 Ways to Save Money During Black Friday

10 Ways to Save Money During Black Friday Don't Shop - Honestly, don't use Black Friday as an excuse to cast aside discipline and spend money! There is no law that says you must shop on the day after Thanksgiving. We never go shopping on Black Friday (just don't ask about Cyber Monday)! Research - Details about the various sales that will be available can be found all over the … [Read more...]

Cash Back Debit Card | How to Get More Cash Back with PerkStreet Financial (Limited Time Offer)

Editor's Note: This post was updated Oct5th, 2010 at 7:00 p.m. EST to clarify some details I misunderstood about the PerkStreet Financial holiday promotion. For the last several months I’ve been hearing about PerkStreet Financial and their cash back debit card. My first reaction – what?! A bank that encourages you to spend, not save! Then I realized that we spend money all the time, and so … [Read more...]

Please Put Down the Pitch Fork | Exploring Credit Card Fanaticism

You can call them what you wish.  I call them fanatics. Webster’s defines a fanatic as one who has an “intense uncritical devotion”. In the credit card discussion, I would say that credit card fanatics share these attributes: Have an opinion that they think must apply to everyone else. Refuse to see any possible positive benefits of the other side. Have extremely negative things to … [Read more...]