I shop yearround, so most of the stuff we pay cash for. I did do one big shopping spree at Toys 'R Us and opened their charge account for 10% off and no intrest, no payments for 6 months, so I do have that $300+ to pay off this spring. I will never actually use the card except for Christmas, but I do like the 10% off discount.

We have a hard time paying things off after we rack them up, so I try not to use credit cards much at all.

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"A true friend is someone who thinks that you are a good egg even though he knows that you are slightly cracked." ~ Bernard Meltzer