Why we don't use CREDIT CARDS

We cut up our credit cards 5 years ago when we started our debt free journey, thanks to Dave Ramsey. Despite the possibility of damage to our credit score, we haven't missed them since then. And actually, after 4 years of being completely debt free with no credit cards, our credit score has hardly dropped at all.

Due to a Facebook conversation about how a bank denied us from opening a checking account, the question came up of, "Why don't you have a credit card and pay it off every month just to establish good credit?" We think that is probably not the best decision due to all the psychology behind credit cards and spending and how credit cards make it easier to spend more than you normally would and justify purchased you otherwise wouldn't make.

We're DEBT FREE! Thanks, Dave Ramsey!

Recommended book: "Total Money Makeover," by Dave Ramsey

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