One blessing for us during this pandemic has been not shopping so much in person. Often times, trips to a store will include items that we did not intend to purchase. Online shopping has also been curtailed. As a result, we find ourselves with more cash on hand for emergencies. An unexpected brake replacement on our vehicle last week was easily met because we had the money in our bank account instead of adding it on our credit card.Also, we have a rule to only charge on our ONE credit card with the commitment that we can pay the balance off in full every month! This saves a LOT of money in finance charges! We have learned this by the "school of hard knocks!"
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