Credit cards vs. Cash: Why use credit?

Many people fear credit cards and don't use them because they have preconceived notions that tell them using credit cards leads to big financial trouble and uncontrollable debt.  Credit cards can be trouble for individuals who use them as a source of income and as a means of survival.  In these difficult economic times,  consumers may feel compelled to resort to such methods as a way to support themselves and their families.  Credit cards aren't simply harbingers of financial gloom and doom, however.

Credit cards are powerful tools that can be used to the consumer's advantage.  They can help you manage your cash flow throughout the month.  Cash back and rewards credit cards can help you supplement your income by giving you points or cash back on your everyday spending.  Effectively using these tools will help you avoid being in debt to card issuers, and instead fill your pockets with cash or help you save money on your purchases.

Proponents of the theory that paying for everything with cash is the best way to handle your finances suggest that you spend less money since you can only spend what you carry in your pocket.  Psychologically, a consumer may be apprehensive about a purchase when they realize that all of the cash in their pocket will be gone upon completion of that purchase.  But, why let fear influence your financial life?  Are you really willing to miss out on thousands of dollars in earnings and savings due to lack of knowledge and understanding about how credit cards can work for you?  Maybe you are.  My goal in establishing this blog is to help my fellow consumer.  This space will be a place where consumers that use credit card rewards can demonstrate and share tips about how budgeting your money and having the discipline to stick to that budget will keep you out of financial trouble.  During this journey, I will share information on products, tricks, tips, tools and strategies for earning and saving money on everyday spending.  Along the way, will have a guest author come by and share some Uncommon FashionCents that will include tidbits about fashion and the best way to save money on the hottest fashion.  We will also cover Utter NonCents from time to time which will include tidbits about movies and sports.  

I look forward to this journey and I'm excited that you've decided to join me.  Let's Come to our Centses and put more money into our wallets!