We use our credit card the same way. We have a few regular bills paid with it just to earn the cash back and it gets paid off right away. We have a hard "no" on co-signing anything with anyone. With how terrible they all are with money that's not something we're risking our money and good credit on. If they don't qualify by income or credit score to get something then they shouldn't until they can. When we needed a new vehicle a few years ago to fit our growing family we bought used in cash. We want to remodel our kitchen and have been saving up to pay that all in cash too. We avoid loans and debt as much as possible.
I do use credit cards frequently. But, they are both paid off in full every single month
There was a time when we were young that, if we didn't borrow money, we didn't have anything. Our military pay was less than $400/month. But, we paid every penny off and got out of debt. And with each house sale, we were in a better position than before because we paid all loans and credit card balances off with the proceeds. Some folks would have bought "stuff" and ignored their bills. Now, we live on an Air Force pension and SS only. And I think 40 chickens +/- and one cat equal the dogs we had in monthly cost, actually cost more when you factor in the shavings for that big barn and all the pens. We never smoked and don't drink (we do keep wine for flavoring food and a good homemade cough medicine) so no money spent on those things. We grow food and can it. If we were stuck at home for six months, we'd eat. We don't go out to eat at expensive restaurants (we think expensive is over $25 for a meal for both of us, but usually, if we do anything at all, it's grab a $2.00 spicy chicken sandwich at Checkers, which is same as Rally's/White Castle, on the way home from somewhere) We actually cook.
People frankly just don't want to give up anything, but they want money in their pockets. You can't have it both ways if you have limited income. You can't go out to eat three times a week. You can't pay $150/mo for cable television, which usually consists of 75% channels you don't even watch anyway. You can't go to music concerts every week. You just can't.
One thing that really frosts my onions is when people who lost big in the housing bubble burst of 2008 just walked away from all their debts and let it lay for years. Obviously, the housing thing was not their fault, but we rode it out and they could have, too. After a few years, their credit scores were right back up, even though they reneged on thousands of dollars in debt, score is almost as high as mine is, and
we never missed a single payment of anything, ever. That just doesn't seem fair, but it's the way the system works.
AND, to get this back to Hector, here is his entire tail, LOL.
Did you find it in one clump? I have accidentally removed a roosters whole tail by grabbing it when catch them, but I haven't seen a whole tail come out at once during a molt. He must be getting busy at it.
. And much pleasure, for you and for us too.
