In the US we never spent money. I carried around the same five 20 dollar bills in my wallet for years, literally. So how did we exist? With credit cards, of course. At one point I think we had 7 of them. Now before you call Credit Counseling Anonymous for us, I should say that we used them for convenience and paid everything off at the end of each month. It was just difficult to resist the offer of 50,000 air miles or 400 dollars rebate after the first use, for example, on a card that was free and you could then cancel a year later without penalty. That’s now all changed…or more correctly, change. Continue reading “Change to change”