I do the same thing, I charge EVERYTHING to my credit card--even $10 at the convenience store or $3 at fast food. In the 3-4 years I've had my credit card(s) (... i've accumulated 2 more over time, one for 5% back on gas/car maintenance, another that I was
required 
to get for a club membership, but primarily only use the one), I've only ever carried over a balance once, about 1.5 years in. I saw the finance charge ($3.20-ish), and said to myself "what the...?? this is stupid. never again." I use it to rack up the reward points. Over that time, I now have just about enough for $350 cash back, or $500 credit on airline tickets. I'm taking a trip for thanksgiving, and I think I'll be using some of those points. Result: free trip and an excellent credit rating.
As for the OP's question, I am in debt, but in a very controlled way. I'm paying off the remainder of my car loan next month, and I have a $30k personal loan with my bank...at 1% interest. So I'm dragging that sucker out (investing most of it), with payments automatically coming from my checking account.
Quote:
Originally Posted by DebbieL
Can I ask why you do that? Seems a bit odd. I can see if you just put all your monthly expenses on a card and pay it in full every month (so no interest charges), but building up balances to a certain level then paying them off when you could pay it off each month and not pay interest makes no sense to me.
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I think you misunderstood... I think what ScrimpAndSave means is that she
does pay it off every month... hence the cyclical/revolving nature of her (and some of my own) debt.