rsalhus
Well-known member
- Joined
- Jul 20, 2006
- Posts
- 1,335
seilerbird,
I liked what you wrote, it should be beneficial to many RVers especially those thinking of or already going fulltiming. Let me add a paragraph that I think should be included.
CREDIT CARDS - Use them whenever and wherever you can, and pay them off without incurring any interest charges. That way you don't need to carry a lot of cash and you have receipts for everything you purchase. You can find credit cards that give you up to 5% off of all fuel, pharmacy, and grocery charges - which can save you up to $100 per month. Other credit cards give you, for instance, 3% off of your charges in any of 3 different categories chosen by the credit card company. Some credit cards give you a flat 1% off of all of your purchases. Having several credit cards and using them wisely can save you money and is worth the effort. Keep track of all your credit cards and pay them off online from your checking account. There are free programs like KeePass that you can download to keep track of all of your passwords and user IDs (and other important information) which you need when you're reviewing or paying off your credit card charges online. You can store the KeePass file on a computer and a flash disk (I recommend two) for safekeeping, and then you only need to remember one password to open your KeePass file. You can have each credit card company send you an email when your monthly statement is viewable and another email a few days before a payment is due and you can postdate a payment so you don't pay your credit card charges before they're due. You can also use Autopay to pay off things like monthly cellphone charges. And having all credit card and other correspondence via email saves on snail mail forwarding charges.
I liked what you wrote, it should be beneficial to many RVers especially those thinking of or already going fulltiming. Let me add a paragraph that I think should be included.
CREDIT CARDS - Use them whenever and wherever you can, and pay them off without incurring any interest charges. That way you don't need to carry a lot of cash and you have receipts for everything you purchase. You can find credit cards that give you up to 5% off of all fuel, pharmacy, and grocery charges - which can save you up to $100 per month. Other credit cards give you, for instance, 3% off of your charges in any of 3 different categories chosen by the credit card company. Some credit cards give you a flat 1% off of all of your purchases. Having several credit cards and using them wisely can save you money and is worth the effort. Keep track of all your credit cards and pay them off online from your checking account. There are free programs like KeePass that you can download to keep track of all of your passwords and user IDs (and other important information) which you need when you're reviewing or paying off your credit card charges online. You can store the KeePass file on a computer and a flash disk (I recommend two) for safekeeping, and then you only need to remember one password to open your KeePass file. You can have each credit card company send you an email when your monthly statement is viewable and another email a few days before a payment is due and you can postdate a payment so you don't pay your credit card charges before they're due. You can also use Autopay to pay off things like monthly cellphone charges. And having all credit card and other correspondence via email saves on snail mail forwarding charges.