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[quote=Anonymous][quote=Anonymous]PP here - I don't really have a problem.  I was just answering a question.  I don't honestly give a rat's ass if I spend a couple hundred a year on credit card interest.  That amounts to about the same amount I spend on internet plus cable plus landline plus iphone in a single month.  I was just saying that I prefer to have a little cash stashed away in case of a layoff, and paying off my card right now would threaten that.  (it'll be paid off in a few months anyway.  On there right now: airfare and hotel from my xmas trip, an unexpected $700 car repair, some house-related expenses, plus this month's bar and restaurant bills because I won't use my debit card if it'll be out of my sight and I don't like carrying large amounts of cash around.)[/quote]

I'm like you and the couple hundred dollars in interest for the year is worth the peace of mind I have in not touching my emergency savings. With the rewards, its actually a wash for me. I tried to revert to using my savings in emergencies to avoid interest and it only gave me stress and guilt. For one, when I raided my savings paying daycare during a rough year (receiving no child support due to ex being laid off), the lenders cut my limits dramatically even though I always pay on time and far more than the minimum. I'm talking from 13K limit to $500 on a card after charging a work related expense that I'm reimbursed for and it was a ripple effect with other lenders. I'm bringing the only income into my house and the thought of being cashless is more frightening than paying interest. It's really not a big deal. Most people "waste" money in some way...whether its warming the car on cold mornings (even though its unnecessary these days), paying a housecleaner instead of requiring DH to step up more, etc. My CC debt is sitting at 3.99%...nothing to lose sleep over.[/quote]

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