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.

Last year, I decided that the concept of going credit card free was flawed. Or at least it wasn’t completely necessary for me. I know there are a lot of people out there that don’t have control over their spending when it comes to credit cards. That was never me before I got into Dave Ramsey’s teachings and it definitely isn’t me now.

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