Why It’s Okay to Have a Credit Card When You’re Debt Free

Our second question of the month comes in from Amanda from Cleveland!

Hi! I had a question about credit cards and travel rewards.

My husband and I have no credit cards and we’ve paid off all of our debt except our mortgage. We’re looking to go to Hawaii for our 10-year anniversary and didn’t know if there was a credit card that we should sign up for to help us redeem more travel rewards.

We’re also not sure if getting a credit card is a good thing to do since we haven’t had them for a while.

Should we get a new credit card for the rewards or just pay with cash?

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How to Travel to Disney for (nearly) Free – with Brad Barrett

Six years ago, I decided to go credit card free. I had gone through Dave Ramsey’s Financial Peace University where the credit card was labeled as the enemy of financial freedom. Since Mr. Ramsey’s advice had helped me in so many other areas of my financial life, like paying off our debt and getting proper insurance coverage, I thought avoiding credit cards completely was the smart way to go.

Continue reading “How to Travel to Disney for (nearly) Free – with Brad Barrett”