My lovely wife and I eliminated all but one of our credit cards. That one is truly only for emergencies.
It didn’t take long but we just got a preapproved credit card in the mail. The terms of the card were awful, combining a yearly fee with a high interest rate. One of the reasons we got rid of the credit cards in the first place was due to a jump in interest rates.
Now we are running on debit cards, cash and checks. Yes, checks. I’m a boomer. Some people think having to deal with a check is a hostile act. That’s cool. I actually write checks to one company knowing they hate to have to deposit them. It’s one of those companies I have to deal with but don’t much like.
I’ve no payment apps on my phone. Last year my PayPal account got hacked. It was soon straightened out, but that’s all I needed to eliminate them too.
Actually, I do a lot of “business” in the barter and gift economies. It’s a win for the little guys and doesn’t leave a paper trail.
Money is something for use outside of one’s tribe.
-Sixbears
