Debt-Free Living

The Benefits and Inconveniences of Not Having a Credit Card

The benefits far outweigh the few inconveniences of not having a credit card. Here are three things to watch for when only using a debit card.

Remember, the first step to becoming and staying debt free is learning how to budget. Make budgeting simple by using EveryDollar!


  • For those who use a debit card and don’t want to carry all that cash around in their envelopes, try this. I use monopoly money in my envelopes and just remove the amount I put on my debit card. I still get to see how much I have left to spend, without the stress of carrying cash that I might be tempted to use.