Credit Cards as a tool

For the first time I am proud to say credit cards are not my enemy. They are a financial tool, which if used wisely can reap great benefits. For example, my spanking brand new $100 gift card to Marshalls. Oh!! the joys of shopping with someone else's money.

I am less stressed out these days about my finances. Why? well, I have a few dollars in the bank. It is not a lot, but there is a certain amount of peace knowing if something minor happens, I got it covered.