About that plastic...............

    "Credit cards are antithetical to well-managed finances,"
was Roy's second pronouncement.  "We all know that if we
don't pay off our debt the month it is incurred, it's subject
to exorbitant rates of interest.............."
     "As long as you pay your cards off promptly, they're
a pretty good deal, though, right?  One month interest-free
plus the convenience."  Credit-Card Cathy desperately
wanted Roy's approval.
     She was in for a disappointment.  "Actually, no.  For
most people, they are not a good deal.  The convenience
that you view as an attribute can combine with human
nature to form a destructive force, especially in the hands
of someone who loves to shop.  How many times have you
bought something with your credit card that you wouldn't
have bought if you'd had to pay cash?

-David Chilton, The Wealthy Barber