We have been trying to get out of debt for years now, but it seems we take a step backward for every two steps forward. We have made progress. We outright own our vehicles, and we have paid off some credit cards and other debts. Last year, we tried not to use our credit cards. We did all right until a few emergencies came up.
One exception we make to our no credit card usage rule is using our Old Navy card. We always pay off the balance after we use it so we don't have to pay interest. If we will not be able to pay it off, then we don't use it. We don't use it often. Following is an explanation of why we go ahead and use the Old Navy card.
My cousin's baby shower is tomorrow and I went to get her a gift today. We did not have the money in our budget for a gift, but we did have a ten dollar Old Navy Bucks Back coupon earned by our previous purchases.
This is what I found. I got the notepad so that I would not lose two dollars, but it is a nice pad that my cousin could keep handy in her diaper bag.