What's In Your Wallet?

Where would we be without our credit cards? Like many other people, I can't imagine not having at least one credit card in my wallet at all times. There are so many times when cash will not cover a purchase, even for groceries, that a credit card comes in handy. How else would any of us be able to afford tickets to a show, a concert and, of course, a dream vacation? One thing I've learned about having a credit card though is not to come to depend on it to pay for everything. If the balance of the bill can't be paid every month, then I won't use my card. The convenience of getting a credit card has never been easier. If you want to buy anything at all like furniture, a flat-screen TV or a laptop computer, most retailers have their own cards which allow you to defer payment, without incurring interest, for up to eighteen months. Eventually, of course, you do have to pay off that bill, but at least you have the comfort of knowing you have some time to do so. More importantly, credit cards allow for things like emergency car repairs, sudden health care expenses or any other contingencies when you don't have access to your savings or checking accounts. Also, it's almost virtually impossible to rent a car or reserve a hotel room without a credit card. However, like anything else in life, you have to act responsibly!