My cash-diet recently took a dive. It wasn’t necessarily my discipline that slacked, but a combination of vacation indulgences and realizing that I had almost racked up enough points on my credit card to buy something cool.
Soooo, when my brother and I took off on our NY to Seattle road trip last weekend, I left the debit card at home and charged all our expenses –– a number almost equivalent to three paychecks –– to my credit card to rack up as many points as possible. Yeeeaaaaahhh. I think that’s the point of the cash-only — to avoid doing just that. I’m just sitting here waiting for my monthly statement so I can see the final “points” result.
See, this is how the CC companies rope you in. One little incentive and boom! They own you! What they don’t realize is that I was an accountant, meaning I paid a university a lot of money to teach me how to be anal about numbers. Therefore, while I charged everything for the past 9 days, I also wrote it all down, tracking the ending balance as I went.
And this is exactly what I plan on continuing to do — charging my expenses, while staying within my budget, until I reach my “points” goal! Take that CCs!!
I may have gone over my travel budget a little but during this trip… but it was well worth it. The trip was fab!!