As I mentioned in my last post, I have a credit card site where you can get credit cards ( – check it out!). However, many popular authors tell you how bad credit cards are, and why you should cut up all your credit cards and use only cash. Dave Ramsey ( is one example, and I agree with everything Dave talks about in his book “Total Money Makeover”. If you are buying “Happy Meals”, groceries and/or clothes and not paying off the balance each month, credit cards are definitely evil, and you are paying way too much for that stuff. (Who in their right mind would finance a pair of Levi’s? $2/month for two years at 10%+ interest? Pretty good deal for the lender, not so much for you.)

The fact is, credit cards today are a way to live beyond your means, to achieve instant gratification and delayed consequences. This is an irresponsible way to live for anyone, from individuals clear up to governments, and we need people like Dave Ramsey out there warning people of this fact.

So why do I have a credit card site? Because I believe that when they are used as a tool, rather than a justification or means of instant gratification, credit cards can be instrumental in success. In my next post, I’ll delve into this further.