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Re: What's in your wallet? [Re: Leftlane] #7209823
03/08/21 11:49 PM
03/08/21 11:49 PM
Joined: Oct 2011
Posts: 2,963
Central Ontario, Canada
C
Crit-R-Dun Offline
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Crit-R-Dun  Offline
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Joined: Oct 2011
Posts: 2,963
Central Ontario, Canada
Originally Posted by Leftlane
Dave Ramsey says don't do it. Nobody pays you to use their money- they have a plan to take money from you and you can count on it


That would be because Dave Ramsay's core audience are financial train wrecks.

Re: What's in your wallet? [Re: Gary Benson] #7209824
03/08/21 11:49 PM
03/08/21 11:49 PM
Joined: Aug 2011
Posts: 32,646
james bay frontierOnt.
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Boco Online content
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Boco  Online Content
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Joined: Aug 2011
Posts: 32,646
james bay frontierOnt.
You mean they overcharge you when you buy stuff,then they use your money for a year,then give it back to you so you will keep giving them your money to use.
Cool.

Re: What's in your wallet? [Re: Gary Benson] #7209825
03/08/21 11:53 PM
03/08/21 11:53 PM
Joined: Sep 2016
Posts: 4,911
MB
J
Jurassic Park Offline
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Jurassic Park  Offline
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J

Joined: Sep 2016
Posts: 4,911
MB
Not many places out there that writes you a check each year. We spend about $1300 a month on groceries. Ask superstore for a check, see what they say.


Cold as ice!
Re: What's in your wallet? [Re: Gary Benson] #7209832
03/09/21 12:01 AM
03/09/21 12:01 AM
Joined: Oct 2011
Posts: 2,963
Central Ontario, Canada
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Crit-R-Dun Offline
trapper
Crit-R-Dun  Offline
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Joined: Oct 2011
Posts: 2,963
Central Ontario, Canada
Financially responsible cash back credit card users are benefitting off the backs of the greater majority of irresponsible credit card users. My scotiabank momentum card pays 4% cash back on all gas and grocery purchases, there's no catch. I'm rewarded in the range of $1400 cash back in November every year no strings attached.

Re: What's in your wallet? [Re: Gary Benson] #7209833
03/09/21 12:01 AM
03/09/21 12:01 AM
Joined: Jun 2019
Posts: 165
Utah
J
Jasper69 Offline
trapper
Jasper69  Offline
trapper
J

Joined: Jun 2019
Posts: 165
Utah
^^^^^^wow, you must eat well.

Re: What's in your wallet? [Re: Gary Benson] #7209834
03/09/21 12:02 AM
03/09/21 12:02 AM
Joined: Jun 2019
Posts: 165
Utah
J
Jasper69 Offline
trapper
Jasper69  Offline
trapper
J

Joined: Jun 2019
Posts: 165
Utah
^^^^^^^ wow, you must eat well.

Re: What's in your wallet? [Re: Jurassic Park] #7209837
03/09/21 12:04 AM
03/09/21 12:04 AM
Joined: Oct 2011
Posts: 2,963
Central Ontario, Canada
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Crit-R-Dun Offline
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Crit-R-Dun  Offline
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Joined: Oct 2011
Posts: 2,963
Central Ontario, Canada
Originally Posted by Jurassic Park
I have a Costco membership card. Get a nice little check at the end of the year for all my purchases.


Costco is great if you're a disciplined shopper buying bulk to save on groceries, no doubt about it. But if you're an impulsive buyer, beware. You can get an amazing deal on a 3 pack of pianos.

Re: What's in your wallet? [Re: Jurassic Park] #7209839
03/09/21 12:05 AM
03/09/21 12:05 AM
Joined: Oct 2011
Posts: 1,389
Western Shore Delaware
SJA Offline
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SJA  Offline
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Joined: Oct 2011
Posts: 1,389
Western Shore Delaware
Originally Posted by Jurassic Park
Not many places out there that writes you a check each year. We spend about $1300 a month on groceries. Ask superstore for a check, see what they say.

The trick to using CC wisely is to have the cash to pay it off when due. Let's use JP's scenario as an example. At $1300.00 per month x 1.5 % = $19.50 x 12 months, = $234.00 per year saving. Again, TOTALY pay off the CC when due! You can even apply the 1.5 % end of month total towards your payment. :-)


"Humans are the hardest people to get along with."
Dr. Phillip Snow
Re: What's in your wallet? [Re: Gary Benson] #7209846
03/09/21 12:08 AM
03/09/21 12:08 AM
Joined: Feb 2019
Posts: 1,170
Saucier, Mississippi Harrison ...
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turkn8rtrapper Offline
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turkn8rtrapper  Offline
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Joined: Feb 2019
Posts: 1,170
Saucier, Mississippi Harrison ...
Debit for emergency cash only for me.


"Skin that smokewagon and see what happens"
Re: What's in your wallet? [Re: Gary Benson] #7209882
03/09/21 12:41 AM
03/09/21 12:41 AM
Joined: May 2009
Posts: 10,043
Champaign County, Ohio.
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KeithC Offline
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KeithC  Offline
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Joined: May 2009
Posts: 10,043
Champaign County, Ohio.
In my wallet, I have 2 credit cards, 3 debit cards and a lot of cash. I have not paid a credit card any interest in around 20 years. My only debt is my farm. If I can't afford it, I don't buy it.

Keith

Re: What's in your wallet? [Re: Gary Benson] #7209883
03/09/21 12:43 AM
03/09/21 12:43 AM
Joined: Oct 2011
Posts: 2,963
Central Ontario, Canada
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Crit-R-Dun Offline
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Crit-R-Dun  Offline
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Joined: Oct 2011
Posts: 2,963
Central Ontario, Canada
I find with the convenience of cards I rarely have cash in my wallet anymore.

Re: What's in your wallet? [Re: Crit-R-Dun] #7209916
03/09/21 05:15 AM
03/09/21 05:15 AM
Joined: Nov 2012
Posts: 441
midland, michigan
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midlander Offline
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midlander  Offline
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Joined: Nov 2012
Posts: 441
midland, michigan
Originally Posted by Crit-R-Dun
Originally Posted by Leftlane
Dave Ramsey says don't do it. Nobody pays you to use their money- they have a plan to take money from you and you can count on it


That would be because Dave Ramsay's core audience are financial train wrecks.

Many might start out that way, but probably end up better off than most by taking his advice

Re: What's in your wallet? [Re: Gary Benson] #7209929
03/09/21 06:29 AM
03/09/21 06:29 AM
Joined: Jul 2012
Posts: 2,525
Nebraska
WadeRyan Offline
trapper
WadeRyan  Offline
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Joined: Jul 2012
Posts: 2,525
Nebraska
Gary, Iím a big fan of cash back cards. I use my cards to pay for all bills that I can. Youíre going to pay for it anyways. I just make sure to not hold a balance. I switch them when the 0% interest runs out every year to 18 months.

Thereís no specific card thatís been better. I just choose the one with the highest percentage cash back at the time. Some offer cash back bonuses if you spend say $500 the first three months. I do that in a month with bills so itís easy money.

I currently have the Discover cash back match. 1% on all purchases and after one year they match your cash back. So after a year if youíve spent $50,000 youíll have $500 back and theyíll match that $500. I always change cards in November. Claim my cash back for the year. Itís made for some happy children at Christmas.

If theyíre used correctly and you donít get behind on a balance itís money for paying bills youíd pay anyways. Itís crazy not to do it. My credit is currently about 750 and been up to 800. If you ever do need a loan itís nice to have options.


Follow me on YouTube if youíre bored

https://www.youtube.com/channel/UC5Ulx1woYMmCN3IPLB0wwFw


Re: What's in your wallet? [Re: Gary Benson] #7209969
03/09/21 08:11 AM
03/09/21 08:11 AM
Joined: Dec 2006
Posts: 15,509
SEPA
L
Lugnut Offline
trapper
Lugnut  Offline
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Joined: Dec 2006
Posts: 15,509
SEPA
I mostly use debit cards. One attached to a business account and one attached to a personal account. I almost never have more than $100.00 in my wallet unless I'm making a cash purchase.

I have lot's of credit accounts, you have to in order to run a business. You just have to be smart about using credit. Having a good credit score can save you lots of money in interest and opens up possibilities not available to those that don't.


Eh...wot?

Re: What's in your wallet? [Re: Gary Benson] #7210064
03/09/21 10:01 AM
03/09/21 10:01 AM
Joined: Jan 2013
Posts: 362
WV
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garymc Offline
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Joined: Jan 2013
Posts: 362
WV
I just switched from Cabelas to the Citi Double Cash. 1% on purchase and another 1% when the bill is paid. I like flexibility of not being ham strung to just Cabelas. So far I have been pleased.

Re: What's in your wallet? [Re: Crit-R-Dun] #7210066
03/09/21 10:02 AM
03/09/21 10:02 AM
Joined: Dec 2010
Posts: 27,918
Central, SD
Law Dog Offline
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Law Dog  Offline
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Joined: Dec 2010
Posts: 27,918
Central, SD
Originally Posted by Crit-R-Dun
I find with the convenience of cards I rarely have cash in my wallet anymore.



Some places wonít even take cash now.


Was born in a Big City Will die in the Country OK with that!

Jerry Herbst
Re: What's in your wallet? [Re: WadeRyan] #7210897
03/10/21 12:58 AM
03/10/21 12:58 AM
Joined: Dec 2006
Posts: 2,264
Moved to Fbks, Ak.
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martentrapper Offline
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Joined: Dec 2006
Posts: 2,264
Moved to Fbks, Ak.
Originally Posted by WadeRyan
Gary, Iím a big fan of cash back cards. I use my cards to pay for all bills that I can. Youíre going to pay for it anyways. I just make sure to not hold a balance. I switch them when the 0% interest runs out every year to 18 months.

Thereís no specific card thatís been better. I just choose the one with the highest percentage cash back at the time. Some offer cash back bonuses if you spend say $500 the first three months. I do that in a month with bills so itís easy money.

I currently have the Discover cash back match. 1% on all purchases and after one year they match your cash back. So after a year if youíve spent $50,000 youíll have $500 back and theyíll match that $500. I always change cards in November. Claim my cash back for the year. Itís made for some happy children at Christmas.


So your changing cards every year or so?
I want a card that won't give my purchasing information to the govt. w/o a warrant, like BoA did! I also don't want to change cards fishing for the next best deal. Like you, my fellow Nebraskan, (even tho I don't live there now) I pay for almost everything with a card. Points, cash back, etc. would be great. Does Discover protect your information.

Re: What's in your wallet? [Re: Gary Benson] #7210902
03/10/21 01:08 AM
03/10/21 01:08 AM
Joined: Jul 2012
Posts: 2,525
Nebraska
WadeRyan Offline
trapper
WadeRyan  Offline
trapper

Joined: Jul 2012
Posts: 2,525
Nebraska
Yes I change cards whenever the 0% interest on purchases runs out generally that's 12-18 months depending on the card. I haven't ever had any issues with protection. I can recall one time my credit card was used to purchase books somewhere on the west coast and they shut it down before it went through. Anymore you can set your purchase limits etc. to notify you. Most cards you can get an instant text whenever a purchase is made. If you switch every year you can get the $100-150 back if you spend so much etc. It's what makes the offers worth it.

I'll be honest I don't have a preference. I've used them all. Visa, Discover, Chase, Wells Fargo, etc. etc. I haven't had any issues with any of them. I just go with whoever's got the best deals for cash back for the year. I really like the cash back match for Discover that's a hard one to beat after a year. I know there's local farmers that will put their whole feed bill for the year on a credit card and go buy a new four wheeler every year with the return. They've learned to do it right. If you're responsible and use it to your benefit you can get some pretty good rewards. If I was much of a traveler I'd look at the hotel points or the flying miles. I just don't go anywhere.

If you're paying your monthly bills with cash electricity, internet, phone, cable (if you have it I don't), gas, groceries, etc. etc. you're literally throwing money down the drain. The only thing I can't tack onto a credit card that I wish I could is my mortgage. You're going to have those costs every month anyways may as well get some money back for paying them.

Last edited by WadeRyan; 03/10/21 01:11 AM.

Follow me on YouTube if youíre bored

https://www.youtube.com/channel/UC5Ulx1woYMmCN3IPLB0wwFw


Re: What's in your wallet? [Re: Gary Benson] #7211164
03/10/21 12:38 PM
03/10/21 12:38 PM
Joined: Dec 2006
Posts: 13,819
Sandhills Nebraska
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Gary Benson Offline OP
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Gary Benson  Offline OP
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Joined: Dec 2006
Posts: 13,819
Sandhills Nebraska
Very good information. Thanks guys.


I know I'm paranoid......but am I paranoid ENOUGH???
Re: What's in your wallet? [Re: Gary Benson] #7211167
03/10/21 12:42 PM
03/10/21 12:42 PM
Joined: Dec 2006
Posts: 13,819
Sandhills Nebraska
G
Gary Benson Offline OP
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Gary Benson  Offline OP
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Joined: Dec 2006
Posts: 13,819
Sandhills Nebraska


I know I'm paranoid......but am I paranoid ENOUGH???
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