The original purpose of credit cards, to buy something without paying for it yet, was never a good financial decision. … Read More
credit cards

Hurting the poor: Another case against credit cards
You may think that by paying off credit cards that the only one that loses is the credit card company. But interchange fees say otherwise. … Read More

What are the credit cards I use in my business?
Take a look behind the scenes and learn about the credit cards I use in my financial coaching business and why. I started my financial coaching business informally almost a decade ago, but it was a few years later that … Read More … Read More

What are your big money moves?

How to manage pistotikophobia: Fear of your credit score
Many have an unhelpful and unnecessary fear surrounding their credit score, known as pistotikophobia; here is what it is and how to treat it. Phobias are common. Fear of heights, fear of the dark, fear of flying. But there is … Read More … Read More

Are you really earning rewards from your credit cards?
I discuss the reasons why people say they put everyday spending on credit cards, and ask whether the rewards are really worth it. My biggest professional challenge, by far, is how to convince people not to put their everyday spending … Read More … Read More

Can you imagine life without debt?
Being able to envision what it would be like to be free from debt can help motivate you to take the steps necessary to make it a reality. For many, debt is a way of life. Or rather, it has … Read More … Read More

Why your goal is to not care about credit cards (if you even care today)
As you build wealth, the reasons to use credit cards fall away even more. Recently I wrote about my own revelation that, while I love collecting (and using!) frequent flyer miles, eventually, with my own financial goals in place, I … Read More … Read More

Here are the times when I use a credit card
Once of the very first posts on this site was called “How credit cards are like alcohol“. In it, I stated that I didn’t believe that there was anything inherently bad about credit cards, but only that some people can … Read More … Read More

Is a credit card safer than a debit card?
I recently got some pushback about using debit cards. I always appreciate this. I want ideas to be battle-tested, and I welcome the opportunity to think critically about decisions I’ve made and suggestions I’ve given. I don’t need everyone to … Read More … Read More