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	<title>Comments on: The Pull of the Credit Card</title>
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	<link>http://beingfrugal.net/2008/08/07/the-pull-of-the-credit-card/</link>
	<description>Saving money and getting out of debt from a Christian SAHM perspective</description>
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		<title>By: Cutting Up The Cards &#171; Chic Financials</title>
		<link>http://beingfrugal.net/2008/08/07/the-pull-of-the-credit-card/comment-page-1/#comment-12225</link>
		<dc:creator>Cutting Up The Cards &#171; Chic Financials</dc:creator>
		<pubDate>Thu, 30 Oct 2008 01:27:41 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=912#comment-12225</guid>
		<description>[...] I searched for an appropriate pic to include in my post, I came across this website. How appropriate and just what I needed to read right now! I love that a Bible verse is [...]</description>
		<content:encoded><![CDATA[<p>[...] I searched for an appropriate pic to include in my post, I came across this website. How appropriate and just what I needed to read right now! I love that a Bible verse is [...]</p>
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		<title>By: S Gross</title>
		<link>http://beingfrugal.net/2008/08/07/the-pull-of-the-credit-card/comment-page-1/#comment-10719</link>
		<dc:creator>S Gross</dc:creator>
		<pubDate>Sun, 10 Aug 2008 22:31:47 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=912#comment-10719</guid>
		<description>Why is it so hard not to spend money you don&#039;t have? Just don&#039;t spend it. I mean, if you have a known income, just spend less than it. I guess if your income is really way below a manageable middle-class level, I understand. But otherwise just don&#039;t buy stuff. No one makes you buy things...</description>
		<content:encoded><![CDATA[<p>Why is it so hard not to spend money you don&#8217;t have? Just don&#8217;t spend it. I mean, if you have a known income, just spend less than it. I guess if your income is really way below a manageable middle-class level, I understand. But otherwise just don&#8217;t buy stuff. No one makes you buy things&#8230;</p>
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		<title>By: Sunday Money Roundup - The $92K Real Estate Drop Edition.</title>
		<link>http://beingfrugal.net/2008/08/07/the-pull-of-the-credit-card/comment-page-1/#comment-10714</link>
		<dc:creator>Sunday Money Roundup - The $92K Real Estate Drop Edition.</dc:creator>
		<pubDate>Sun, 10 Aug 2008 13:00:48 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=912#comment-10714</guid>
		<description>[...] over at Being Frugal is feeling the pull of her credit cards now that they are moving into a new house and need to buy some things for [...]</description>
		<content:encoded><![CDATA[<p>[...] over at Being Frugal is feeling the pull of her credit cards now that they are moving into a new house and need to buy some things for [...]</p>
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		<title>By: Sunday Roundup and Update &#124; Bible Money Matters</title>
		<link>http://beingfrugal.net/2008/08/07/the-pull-of-the-credit-card/comment-page-1/#comment-10713</link>
		<dc:creator>Sunday Roundup and Update &#124; Bible Money Matters</dc:creator>
		<pubDate>Sun, 10 Aug 2008 12:22:20 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=912#comment-10713</guid>
		<description>[...] The Pull of the Credit Card @ Being Frugal [...]</description>
		<content:encoded><![CDATA[<p>[...] The Pull of the Credit Card @ Being Frugal [...]</p>
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		<title>By: Roundup and Link Love Summer Olympics 2008 Edition &#124; The Wisdom Journal</title>
		<link>http://beingfrugal.net/2008/08/07/the-pull-of-the-credit-card/comment-page-1/#comment-10706</link>
		<dc:creator>Roundup and Link Love Summer Olympics 2008 Edition &#124; The Wisdom Journal</dc:creator>
		<pubDate>Sun, 10 Aug 2008 01:58:45 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=912#comment-10706</guid>
		<description>[...] at Being Frugal writes a very interesting post on the pull of her credit card. She outlines the struggles she&#8217;s had with plastic.  Bob at Christian Personal Finance polled [...]</description>
		<content:encoded><![CDATA[<p>[...] at Being Frugal writes a very interesting post on the pull of her credit card. She outlines the struggles she&#8217;s had with plastic.  Bob at Christian Personal Finance polled [...]</p>
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		<title>By: John Martin</title>
		<link>http://beingfrugal.net/2008/08/07/the-pull-of-the-credit-card/comment-page-1/#comment-10703</link>
		<dc:creator>John Martin</dc:creator>
		<pubDate>Sat, 09 Aug 2008 23:52:11 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=912#comment-10703</guid>
		<description>I posted this comment on a feed, but mean to here...

It&#039;s really not about the credit cards, is it? It&#039;s about self-control and discipline. And being clear on wants vs. needs.

I have two credit cards—an American Express (which earns points for hotels or airlines) and a Mastercard (which earns airline points). I charge everything I possibly can on these cards (regularly credited bills, my semi-annual insurance (auto, house), my dentist (nothing like getting points for getting a cavity filled), etc. and I pay both of these cards off monthly. I haven&#039;t had a finance charge on either card for over 5 years. I&#039;m what&#039;s known in &quot;the biz&quot; as &quot;a convenience charger.&quot;

This is money that is going to be spent anyway. Why not get something for free from them? I end up with at least two or three free flights (or stays in hotels) each year, just for paying bills that I have to pay anyway. :-)

Credit cards don&#039;t kill... people do. :-) :-) :-)</description>
		<content:encoded><![CDATA[<p>I posted this comment on a feed, but mean to here&#8230;</p>
<p>It&#8217;s really not about the credit cards, is it? It&#8217;s about self-control and discipline. And being clear on wants vs. needs.</p>
<p>I have two credit cards—an American Express (which earns points for hotels or airlines) and a Mastercard (which earns airline points). I charge everything I possibly can on these cards (regularly credited bills, my semi-annual insurance (auto, house), my dentist (nothing like getting points for getting a cavity filled), etc. and I pay both of these cards off monthly. I haven&#8217;t had a finance charge on either card for over 5 years. I&#8217;m what&#8217;s known in &#8220;the biz&#8221; as &#8220;a convenience charger.&#8221;</p>
<p>This is money that is going to be spent anyway. Why not get something for free from them? I end up with at least two or three free flights (or stays in hotels) each year, just for paying bills that I have to pay anyway. :-)</p>
<p>Credit cards don&#8217;t kill&#8230; people do. :-) :-) :-)</p>
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		<title>By: This Week in the Blogosphere: Mini-Vacation Edition : BorrowFromNone.com</title>
		<link>http://beingfrugal.net/2008/08/07/the-pull-of-the-credit-card/comment-page-1/#comment-10697</link>
		<dc:creator>This Week in the Blogosphere: Mini-Vacation Edition : BorrowFromNone.com</dc:creator>
		<pubDate>Sat, 09 Aug 2008 14:58:18 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=912#comment-10697</guid>
		<description>[...] To keep us from going into debt in the first place, BeingFrugal warns us about the pitfalls of irresponsible spending. [...]</description>
		<content:encoded><![CDATA[<p>[...] To keep us from going into debt in the first place, BeingFrugal warns us about the pitfalls of irresponsible spending. [...]</p>
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		<title>By: FitMom</title>
		<link>http://beingfrugal.net/2008/08/07/the-pull-of-the-credit-card/comment-page-1/#comment-10696</link>
		<dc:creator>FitMom</dc:creator>
		<pubDate>Sat, 09 Aug 2008 14:46:13 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=912#comment-10696</guid>
		<description>Hi, Just found your blog from Simple Mom.  Great post.  Very helpful and uesfull skills that we need in our daily life!! 

 But, way behind in the areas of money.  I&#039;ll need to go back to step one- not using the CC.

Flee and pursue.  Will do!</description>
		<content:encoded><![CDATA[<p>Hi, Just found your blog from Simple Mom.  Great post.  Very helpful and uesfull skills that we need in our daily life!! </p>
<p> But, way behind in the areas of money.  I&#8217;ll need to go back to step one- not using the CC.</p>
<p>Flee and pursue.  Will do!</p>
]]></content:encoded>
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		<title>By: Weekly Link Round-Up :: the Sensible Artiste edition &#124; simple mom</title>
		<link>http://beingfrugal.net/2008/08/07/the-pull-of-the-credit-card/comment-page-1/#comment-10694</link>
		<dc:creator>Weekly Link Round-Up :: the Sensible Artiste edition &#124; simple mom</dc:creator>
		<pubDate>Sat, 09 Aug 2008 10:01:28 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=912#comment-10694</guid>
		<description>[...] The Pull of the Credit Card :: Being Frugal [...]</description>
		<content:encoded><![CDATA[<p>[...] The Pull of the Credit Card :: Being Frugal [...]</p>
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		<title>By: Saturday Link Love: What Is YOUR Time Worth? (Ask Mr Credit Card&#8217;s Blog)</title>
		<link>http://beingfrugal.net/2008/08/07/the-pull-of-the-credit-card/comment-page-1/#comment-10693</link>
		<dc:creator>Saturday Link Love: What Is YOUR Time Worth? (Ask Mr Credit Card&#8217;s Blog)</dc:creator>
		<pubDate>Sat, 09 Aug 2008 09:06:35 +0000</pubDate>
		<guid isPermaLink="false">http://beingfrugal.net/?p=912#comment-10693</guid>
		<description>[...] Frugal.net takes a look at the mysterious pull of the credit card and how she fights the good fight each day. Tougher than it [...]</description>
		<content:encoded><![CDATA[<p>[...] Frugal.net takes a look at the mysterious pull of the credit card and how she fights the good fight each day. Tougher than it [...]</p>
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