I'm out of debt...Now what?

[DKAS]

My savings account is with my company's credit union which gives 2.something % quarterly. As soon as I found out about the interest rate I switched savings accounts.


I forgot about mutual funds. I'll look into them too. Good god there's a bunch of options.

My celebration trip has been planned already .


I don't want to start another thread. So i'll ask another question.
Now that I have no credit card debt, in what manner should I pay for things? Credit card, charge card, debit card?
When I had credit card debt, I would just use my debit card for food, insurance etc. and whatever I didn't use I'd throw into my credit card debt or emergency savings. I wasn't a fan of cash because I'd get change back that would collect in a jar.

So should I continue using my debit card or use one of the credit cards for monthly expenses? I plan to pay off the credit card fully at the end of each month if I were to use it. Should I get a charge card which forces me to pay everything at the end of the month?

Thanks again!

Congrats. If you have the patience to not overspend and pay everything off every month than consider getting a cashback card or maybe a airline mileage accruing card based on your preference.

[kalimaniac]

save for a while then...

Now is a good time to invest in real estate. I would save for a downpayment and try to get into something before prices start going back. MOST IMPORTANT: don't go back into debt, EVER.

[riverwed070707]

How the heck did you get 2% interest?

My checking account earns 4.5%

[Steel]

Have goals aim for financial freedom so you wont go back into debt.

[sternchen]

congratulatios!

i have 2 weeks left and i'm out of debt too

well

i think that when i'm out of debts

i will try my best to manage my money well

i don't want to be indebted again