Cut Them Up!

If you ever want to win with money you MUST cut up your credit cards and be DONE with them. We got rid of ALL our credit cards 2 years ago and we will never have one again.
When people hear we don't have any credit cards I usually hear one of 2 responses:
How can you live without a credit card? Very well, actually. You don't need a credit card. Our debit card works for everything like booking hotels, renting cars, ect.
What about emergencies? That is why we have an emergency fund.
Many people also tell me "Oh, I pay off my credit card every month". First off, 70%of people don't pay off their balance every month. Second, studies show that if you pay with plastic you typically spend more than 40% more than you would with cash. Cash is harder to spend than cold hard cash.