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<blockquote data-quote="farmerjan" data-source="post: 1670349" data-attributes="member: 25884"><p>The Lowe's credit card is also very handy for the no interest for 6 months on charges over $299. I have bought a few things for the house that way and am getting a new freezer next week. I am disciplined enough to make sure I have the money to pay it back ... pay a minimum every month but no interest on that large purchase. I make sure it is set up to put all the payment on the current charges due, and then I pay a chunk once or twice and then pay the balance off before the 6 months due date. Helps especially like with knowing there is going to be a chunk of money like from selling calves in say 3 months... but I need it now or there is a good deal/sale on it now. Several of my credit cards have some sort of rewards.... and NOT ONE of them has a yearly fee.....</p><p></p><p>But again you have to be disciplined to pay them off.... I have carried a balance the last couple of months while getting things squared away with moving, but the interest is worth it because making payments on time has helped my credit and I knew that making a rent and mortgage payment for a few months was the only way to get this work done to buy the house and then get moved into it. Better than borrowing money long term at the bank, and my mortgage rate is under 3% .... so a couple months interest on a not huge balance has allowed me to get into this house and then I will be much better off with such a small interest mortgage and lower payments ; with insurance and taxes included; than I was paying in rent. What I save in the difference in the rent will more than make up for the interest I paid for a couple months. </p><p> All that aside, I always paid them off in full every month so as to not pay any interest in the past. </p><p>The banks/credit card companies hate me too... so much they upped my limits with no increase in my income twice in the past 2 years.... and I make a very small amount of money by today's standards.</p></blockquote><p></p>
[QUOTE="farmerjan, post: 1670349, member: 25884"] The Lowe's credit card is also very handy for the no interest for 6 months on charges over $299. I have bought a few things for the house that way and am getting a new freezer next week. I am disciplined enough to make sure I have the money to pay it back ... pay a minimum every month but no interest on that large purchase. I make sure it is set up to put all the payment on the current charges due, and then I pay a chunk once or twice and then pay the balance off before the 6 months due date. Helps especially like with knowing there is going to be a chunk of money like from selling calves in say 3 months... but I need it now or there is a good deal/sale on it now. Several of my credit cards have some sort of rewards.... and NOT ONE of them has a yearly fee..... But again you have to be disciplined to pay them off.... I have carried a balance the last couple of months while getting things squared away with moving, but the interest is worth it because making payments on time has helped my credit and I knew that making a rent and mortgage payment for a few months was the only way to get this work done to buy the house and then get moved into it. Better than borrowing money long term at the bank, and my mortgage rate is under 3% .... so a couple months interest on a not huge balance has allowed me to get into this house and then I will be much better off with such a small interest mortgage and lower payments ; with insurance and taxes included; than I was paying in rent. What I save in the difference in the rent will more than make up for the interest I paid for a couple months. All that aside, I always paid them off in full every month so as to not pay any interest in the past. The banks/credit card companies hate me too... so much they upped my limits with no increase in my income twice in the past 2 years.... and I make a very small amount of money by today's standards. [/QUOTE]
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