Comments on: Credit Card Advantages Over Cash http://www.moneyhelpforchristians.com/credit-card-advantages/ Bible money teachings | make money, give, budget, get out of debt, invest Mon, 15 Mar 2010 08:03:53 +0000 http://wordpress.org/?v=abc hourly 1 By: Kerri http://www.moneyhelpforchristians.com/credit-card-advantages/comment-page-1/#comment-555 Kerri Wed, 02 Sep 2009 14:38:07 +0000 http://www.moneyhelpforchristians.com/buy-with-cash-or-credit-cards-benefits-vs-cost/#comment-555 The main reason my husband and I use credit cards is convenience. The second and third are convenience and convenience. We also are able to track mostly every dollar we spend through categorization. We pay the credit card in full every month (no balances), so essentially it buffers the purchase with the payment, and you can keep that money for 30 days and have it grow interest. Our rewards points just paid for over $600 in airline fees for a recent trip: this was from payments to the grocery store, gas, hotel stays, restaurant bills, etc. that built up over time. The card does not entice me to spend frivolously. I am well aware it is tied to "real money," it's just more on my terms. I appreciating seeing a detailed list of all of our expenses each month--seamlessly. Cash disappears; credit provides an instantaneous digital record for any purpose. Thanks for this post! The main reason my husband and I use credit cards is convenience. The second and third are convenience and convenience. We also are able to track mostly every dollar we spend through categorization. We pay the credit card in full every month (no balances), so essentially it buffers the purchase with the payment, and you can keep that money for 30 days and have it grow interest. Our rewards points just paid for over $600 in airline fees for a recent trip: this was from payments to the grocery store, gas, hotel stays, restaurant bills, etc. that built up over time.
The card does not entice me to spend frivolously. I am well aware it is tied to “real money,” it’s just more on my terms. I appreciating seeing a detailed list of all of our expenses each month–seamlessly. Cash disappears; credit provides an instantaneous digital record for any purpose.
Thanks for this post!

]]> By: Carnival of Personal Finance - History of College Football Edition — StretchyDollar http://www.moneyhelpforchristians.com/credit-card-advantages/comment-page-1/#comment-537 Carnival of Personal Finance - History of College Football Edition — StretchyDollar Mon, 31 Aug 2009 15:18:21 +0000 http://www.moneyhelpforchristians.com/buy-with-cash-or-credit-cards-benefits-vs-cost/#comment-537 [...] Ford from Money Help For Christians presents The Advantages of Credit Cards over Cash, and says, “Cash is cheaper, but does the convenience of credit cards make them [...] [...] Ford from Money Help For Christians presents The Advantages of Credit Cards over Cash, and says, “Cash is cheaper, but does the convenience of credit cards make them [...]

]]> By: Week in Review: Little League Champions Edition » Buck$omeboomer's Financial Path to Retirement http://www.moneyhelpforchristians.com/credit-card-advantages/comment-page-1/#comment-536 Week in Review: Little League Champions Edition » Buck$omeboomer's Financial Path to Retirement Mon, 31 Aug 2009 10:15:22 +0000 http://www.moneyhelpforchristians.com/buy-with-cash-or-credit-cards-benefits-vs-cost/#comment-536 [...] The Advantages of Credit Cards over Cash. Craig Ford @ Money Help for Christians takes on the concept that credit cards themselves are bad. [...] [...] The Advantages of Credit Cards over Cash. Craig Ford @ Money Help for Christians takes on the concept that credit cards themselves are bad. [...]

]]> By: One Money Design Weekly Round Up: Get Back in Shape Edition | One Money Design http://www.moneyhelpforchristians.com/credit-card-advantages/comment-page-1/#comment-529 One Money Design Weekly Round Up: Get Back in Shape Edition | One Money Design Fri, 28 Aug 2009 12:16:34 +0000 http://www.moneyhelpforchristians.com/buy-with-cash-or-credit-cards-benefits-vs-cost/#comment-529 [...] The Advantages of Credit Cards over Cash posted by Money Help for Christians is an interesting discussion on whether or not credit cards should be used over cash. [...] [...] The Advantages of Credit Cards over Cash posted by Money Help for Christians is an interesting discussion on whether or not credit cards should be used over cash. [...]

]]> By: Craig http://www.moneyhelpforchristians.com/credit-card-advantages/comment-page-1/#comment-527 Craig Fri, 28 Aug 2009 11:54:49 +0000 http://www.moneyhelpforchristians.com/buy-with-cash-or-credit-cards-benefits-vs-cost/#comment-527 @Bucksome. Thanks for you comment. The business expenses are very important in my case. While I don't charge a lot of things, when I do the amounts are large so the credit card is helpful. Great idea with the change jar! @Bucksome. Thanks for you comment. The business expenses are very important in my case. While I don’t charge a lot of things, when I do the amounts are large so the credit card is helpful. Great idea with the change jar!

]]> By: Bucksome http://www.moneyhelpforchristians.com/credit-card-advantages/comment-page-1/#comment-524 Bucksome Fri, 28 Aug 2009 00:17:12 +0000 http://www.moneyhelpforchristians.com/buy-with-cash-or-credit-cards-benefits-vs-cost/#comment-524 I agree with you regarding a credit card's usefulness when having to front business expenses that are remibursement, but think a couple of the reasons to use credit cards are iffy. I use envelopes and at the end of the day, put any change I got back in a jar. When that jar's full (and it's a big jar), I take it to a coinstar machine and the result becomes a snowflake towards my debt snowball and once that's gone it goes towards whatever savings goal I'm working on. .-= Bucksome´s last blog ..<a href="http://bucksomeboomer.com/2009/08/dave-ramsey-sale/" rel="nofollow">Dave Ramsey Sale</a> =-. I agree with you regarding a credit card’s usefulness when having to front business expenses that are remibursement, but think a couple of the reasons to use credit cards are iffy.

I use envelopes and at the end of the day, put any change I got back in a jar. When that jar’s full (and it’s a big jar), I take it to a coinstar machine and the result becomes a snowflake towards my debt snowball and once that’s gone it goes towards whatever savings goal I’m working on.
Bucksome´s last blog ..Dave Ramsey Sale My ComLuv Profile

]]> By: jarthurford http://www.moneyhelpforchristians.com/credit-card-advantages/comment-page-1/#comment-517 jarthurford Wed, 26 Aug 2009 14:12:51 +0000 http://www.moneyhelpforchristians.com/buy-with-cash-or-credit-cards-benefits-vs-cost/#comment-517 I do one other thing with credit cards that I know some will disagree with, but we set up a pre-authorized plan in which our credit card company takes the balance owing from our bank account on the day it's due. No late payment fees, and a good way to restrain yourself from over spending what you have in your account. I do one other thing with credit cards that I know some will disagree with, but we set up a pre-authorized plan in which our credit card company takes the balance owing from our bank account on the day it’s due. No late payment fees, and a good way to restrain yourself from over spending what you have in your account.

]]> By: Craig http://www.moneyhelpforchristians.com/credit-card-advantages/comment-page-1/#comment-515 Craig Tue, 25 Aug 2009 22:10:38 +0000 http://www.moneyhelpforchristians.com/buy-with-cash-or-credit-cards-benefits-vs-cost/#comment-515 @jarthurford. First, hey dad how are you? I guess the family is really giving their input today (see Mrs. Ford comment). For those of you who don't know below $5 in Canada there is only change. I bet tons of charities would be helped if people adopted that rule. A great idea to increase your giving. @jarthurford. First, hey dad how are you? I guess the family is really giving their input today (see Mrs. Ford comment). For those of you who don’t know below $5 in Canada there is only change. I bet tons of charities would be helped if people adopted that rule. A great idea to increase your giving.

]]> By: Craig http://www.moneyhelpforchristians.com/credit-card-advantages/comment-page-1/#comment-514 Craig Tue, 25 Aug 2009 22:08:12 +0000 http://www.moneyhelpforchristians.com/buy-with-cash-or-credit-cards-benefits-vs-cost/#comment-514 @Jason and Joe. Thanks guys for leaving comments. I have been a credit card user (with the exception of the last three years) for probably shy of 15 years. I have never paid any finance or late fees so I guess I figure if I'm going to slide plastic I may as well get points. Again, the feeling of being sophisticated. Not saying I'm right, just that is my feeling. @Jason and Joe. Thanks guys for leaving comments. I have been a credit card user (with the exception of the last three years) for probably shy of 15 years. I have never paid any finance or late fees so I guess I figure if I’m going to slide plastic I may as well get points. Again, the feeling of being sophisticated. Not saying I’m right, just that is my feeling.

]]> By: Craig http://www.moneyhelpforchristians.com/credit-card-advantages/comment-page-1/#comment-513 Craig Tue, 25 Aug 2009 22:05:26 +0000 http://www.moneyhelpforchristians.com/buy-with-cash-or-credit-cards-benefits-vs-cost/#comment-513 Hey all. FYI "Mrs. Ford" is my wife. She has secretly been anticipating the day this article would post because she had a comment she wanted to leave. As you can tell my wife is the down-with-credit-cards member of our marriage union. I tried to convince her to do a "he said" - "she said" post, but my pleading was to no avail. What do you think, should Mrs. Ford get a little print time on Money Help For Christians? Hey all. FYI “Mrs. Ford” is my wife. She has secretly been anticipating the day this article would post because she had a comment she wanted to leave. As you can tell my wife is the down-with-credit-cards member of our marriage union. I tried to convince her to do a “he said” – “she said” post, but my pleading was to no avail. What do you think, should Mrs. Ford get a little print time on Money Help For Christians?

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