Ah, credit cards.  A source of convenience for some, a nightmare for many.  If I was given $1 every time anyone at an online personal finance forum exclaimed: “Guys, credit cards are evil! Credit card companies are ripping us off. We should all get together and have a credit card bonfire!”, I would have a lot more money than I have today.  No matter how we feel about credit cards, the ultimate truth is that they are just a tool. They just magnify our behaviors and patterns. They just show us who we really are down to our very core. In … Read More >