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.
