Some people claim that living without a credit card in Canada is IMPOSSIBLE! Using a credit card makes transactions easier, but life got much easier for us when we stopped using them, that’s for sure! In fact, I am now convinced that (1) it’s totally doable, and (2) it’s totally worth it.
Since we got out of debt, we have stopped using our credit cards entirely, and thanks to this, we control our money 1000x better than we ever did while using them. Today, we easily track nearly every penny of our budget and are able to live intentionally. More, we travel and do all the things that people think are impossible without a credit card. There are two key tools that have been instrumental in this process, and I go over them here.
About Rob
I'm a Christian university Math instructor and, my wife is a nurse. We live in Winnipeg with our two kids, and for years we felt like we made too much money to be so broke. After changing our paradigms around money, we paid off all our consumer debt ($41k) and built a $21k emergency fund in 25 months. Today I (Rob) strive to help Canadians experience the same massive shift in their finances that we did by pushing people to take their financial lives seriously, and with the responsibility that comes from managing money for God. My mission is to be a powerful and passionate example of the unlimited possibilities financially that are available for anyone that commits their life to living for God and following His principles of wealth building. I will share all the best ideas I've come across and strategies to make a difference in your financial life.