Comments on: Is Your Credit Card A Tool… Or Are You?

By: Screw Robin Hood: New Study Claims Credit Card Rewards Take from the Poor to Give to the Rich

Mon, 09 Aug 2010 16:36:36 +0000

[...] Is Your Credit Card a Tool… Or AreYou? [...]

By: Matt with credit cards

Matt with credit cards — Sun, 11 Oct 2009 10:15:38 +0000

Having a credit card always has its perks. Just like any other thing, it is about responsibility and how we manage them. Mismanagement would definitely lead us into misery. But, if we use our cards wisely, we could cruise along comfortably.

Well written!

By: Aussie

Aussie — Thu, 27 Aug 2009 05:27:56 +0000

I have always considered myself a bit of both I guess, sometimes I am a spender and sometimes I’m not, is that bad? Nice work on this post.

By: Jason @ Redeeming Riches

Jason @ Redeeming Riches — Mon, 03 Aug 2009 16:33:01 +0000

Good stuff! I've been in all corners I guess. I've been an abuser, a non-user and a responsible user. Basically in that order. Although we never carry a balance and pay it off every month, I have noticed especially recently how easy it is to spend more with the credit card. It's just easier to pull the plastic out and justify the expense. Something to be careful and mindful of. .-= Jason @ Redeeming Riches´s last blog ..How Much Money Do You Need to Retire? =-.

By: Baker

Baker — Tue, 02 Jun 2009 14:31:18 +0000

My comment was directed at “responsible” credit card users. For me, that involves much more than simply paying off your card.

I’ve wrote more about this here:

http://manvsdebt.com/3-habits-of-highly-responsible-credit-card-users/

I certainly think in our society responsible use of credit has been an exception to the norm.

By: Ana

Ana — Tue, 02 Jun 2009 13:42:32 +0000

Great post, but I have a comment. The Americans who pay the credit card bill in full are not “an exception to the norm” we are 43% of credit card users. That is almost half.

By: Links to Make You Think: Men Working Edition « Hundred Goals

Links to Make You Think: Men Working Edition « Hundred Goals — Sat, 16 May 2009 13:47:01 +0000

[...] construction, it is appropriate to discuss tools. Baker at Man vs Debt asks the question “Is Your Credit Card a Tool… Or Are You?“ Well, which is [...]

By: What’s Sizzling? - May 8th Edition > Fiscal Fizzle

What’s Sizzling? - May 8th Edition > Fiscal Fizzle — Sat, 09 May 2009 00:06:55 +0000

[...] a funny and insightful piece this week that can be pretty adequately described with the title – Is Your Credit Card a Tool…Or Are You? It’s definitely worth the [...]

By: Baker

Baker — Fri, 08 May 2009 21:54:48 +0000

Thanks for the kind and genuine words, Dave. I’m really glad you connected with the article so well. I enjoyed writing with this style and passion and your encouragement helps motivate me to do more of it!

By the way, I’ve seen that rhino joke in a book before, but it was boring so I spiced it up and added “horny.” Nice touch, huh?

By: Baker

Baker — Fri, 08 May 2009 21:52:33 +0000

Clayton, please don’t apologize for the “rant.” I felt it was a thoughtful and constructive comment. I really appreciate you taking the time to add your value to the site!

I, too, feel honored we’ve been able to learn this at a young age. I’m not taking anything for granted. I’ve feel the pulls of debt and consumerism on a daily basis still. I’m just glad we are on the path! The future looks awesome!