Gratitude #19: Credit Cards

Guys, I legit write about the first thing that comes to mind when I open up the blog draft. And no lie, this was the first thing.

Today I shopped for fabric, purchased Christmas gifts, and bought some bran muffins from my local bakery (#addictedtobranmuffins #idontthinkotherpeoplehashtagthat #idontcareilovebranmuffins). And I did all of it with this little plastic card that fits in my wallet.

Now, let me be clear. I'm against credit card debt and strongly, strongly, FOR REALS STRONGLY advise against it. I do not believe in spending money I don't have, and I still keep a structured budget and a record of what I spend.

The reason I'm grateful for credit cards is the protection I feel they offer me. If I make a mistake and lose it, if I'm wronged and have it stolen from me, I don't lose all my livelihood. I can call the credit card company and cancel it. My earnings are secured in a bank. If I notice or the bank notices something fishy or unusual in my expenditures, we can communicate to see if someone had fraudulently used my card and we can cut of their erroneous cash flow and preserve the funds in my account.

It's amazing.

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