What do you mostly use...cash, debit card or credit card?
Credit, Amex. Paid in full each month.
I'm using credit mostly right now because I love AIRMILES. Hoping to take the family on another warm weather vacation next winter!
Cash and AMX at Costco and for gas (which gets paid in full every month). You have to love 3% cash back on gas when you are fueling a 15 passenger van!!
Debit. We used to do cash for all food, gas, baby items, etc. (you know, the money jars method) but now we do debit, and I just keep track diligently of how much I have left for the month for all those things. We use credit for online purchases, etc. but we pay them every month.
Credit, mostly Amex but use Discover when they have good 5% promos going. We also PIF each month (what responsible board members we have ;))
We use mostly credit, I still write a few checks, and very rarely cash. We always pay our full balance each month. We get 5% back to use on trading in for a new vehicle. We traded a year ago and got $3500 off our new suv, which we had been accumulating since we first got married.