Resisting the Urge to Sell

[Exhibitman]

I'm not really deriding short term debt that will be covered with cash flow from a pending card sale. I get that from time to time when I've sold something and another item pops up.

I run all my household expenses through my CC for the cash back to my kid's 529 account, but I pay off the CC every month in full. I never accrue a rolling debt for a card.

The problem with using a CC for cards is that it is like a drug. The first hit is painless, but before you know it you are chipping at it all the time and you have a big debt to pay down. I did that one month when I decided to put my card buys on the CC and I was horrified with the result. Maybe you have better credit discipline than I do, but I could not trust myself to ebay with a CC. I have to give myself a cash allowance and stick to it. Unless, as noted in my first post, I need help to cover a major purchase for the short term via a dedicated credit line that I would then pay down with card sales.