I have two credit cards. One we use only for travel, and I put all my daily expenses on the other one. I pay both in full every month and have not had a dime of CC interest in years. Claudia manages her own daily expenses on a different card so we can avoid confusion over who bought what.

Both of my cards give airline miles, on different airlines. We fly for free on most trips.

We have no mortgage, one small car loan and a nearly-paid home equity loan which I keep active because it has an extremely low interest rate. As of this morning, my Experian credit rating is 823.


Cleverly disguised as a responsible adult.