Just some ramblings..

Haven't 'dated' for more than 42 years and then it would have been my DH so I'm out of 'date' to say the least!

My DS dates and wow, judging by what a 'date' entails now days...I'm so glad I don't have to go through that.

Seems like a 'date' is more like a commitment than fun and easy going.

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We once got into credit card debt and I can tell you it is a bad place to be. By using some of our home profit (after selling the house) we paid that debt and never get behind anymore.

We do use cc's though and just pay them in total every month. IF you cannot pay them off don't spend the money (unless of course, it's a dire emergency).

We only use one card and it is one with perks. May as well get perks for what you spend. In our case it's air miles and DH uses the flight to go skiing evey year.

Credit card companies make it pretty clear what you are getting into. Nothing is for nothing. They are worth having because it is important to establish good credit and also to use when traveling. IF you want reservations you have to give a cc number or make them well in advance and send a check. I've done it both ways, but if I am traveling and no particular destination I can't send a check while on the road.

The card companies are a business, read the rules carefully. A payment out of sequence (minus the bill in particular) is probably considered like paying extra on your mortgage. It will be applied, but you still get a request for a monthly payment.

Don't think of the CC company as anything but a business; not a personal affront to you.
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Just my thoughts, not meant offensively.