Wild Thoughts #1
You will spend 12-18% more when you use a credit card versus cash according to a Dun and Bradstreet study. In other studies, I have read as high as 34%. So cut your spending by using cash. Give it a try and watch what happens because credit cards encourage impulse buying; whereas, if you have to fork over cash there is a sensation of loss. Credit cards seem like friction free spending, yet 60% of credit card users can’t pay off what they owe each month so consider cash and watch how much better you manage your money.
Wild Thoughts #2
“The shortest distance between two points is to DO God’s Will.”