Cash or Credit, that is the Q.

Credit card companies offer stuff for those with good credit. Things like air miles, cash back, points for getting free stuff. They will wave the first year's fee to get you on their program.

You got to play the game right, though. If you carry a balance, you can loose your shirt. A tiny carry over charge will net you near 20% interest. If a person goes on a spending spree, they might never catch up. But, if a person gets their finances in order, using credit and paying it off each month, its a better gig than using cash. Every card offers different benifits, like buyers insurance, and rental car insurance, so its worth reading offers carefully. I never pay a yearly fee.

One thing experts say, never use checks. No protection using checks, no bonus points, no contesting charges, no insurance against theft. Bottom line, checks are has been, ancient instruments on par with the post office.

Not all of us do online stuff. So maybe none of this applies to you. I'm making my resources work for me. God knows in this economy a person has to make the most of every available resourse.