Author Pennysaver Plus

It’s totally possible to live without credit cards. It’s also a great feeling knowing the items your buying are paid for. There was a time that I thought of everything as a monthly payment. If I buy this $1000 TV it would only ad $25 a month to my credit card payment, I could afford that, I thought. That’s what I was supposed to do, right? I didn’t know how buy anything without using a credit card. Don’t get me wrong, I was responsible and paid all my bills on time, but I was spending funds we didn’t yet have,…

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