Kumiko Love Instagram – I use debt. I don’t have debt. There’s a difference. Having debt means owing money, carrying a balance, and paying interest. “Using” debt means using it for beneficial gain while paying off the balance before interest kicks in. I often get asked how I maintain a credit score above 800 without having debt. It’s because I use debt, and I don’t have debt. I use a personal & business credit card, and then I pay it off every month before any interest kicks in or accumulates. I don’t use my Venture One personal card very often, but I use my Spark Business card every single month. In fact, every business expense gets put on the business credit card, and then I always pay off the entire statement balance by the due date. The credit card rewards that I have earned are paying for plane tickets to Arizona and Cabo and part of my Switzerland trip this year. I am not spending more to get the rewards; I am simply getting the rewards for things I would need to purchase anyway. It took me years to trust myself enough to use credit cards after becoming debt-free in 2019. I had to have enough confidence in my ability to use them responsibly. DO NOT USE CREDIT CARDS OR ANY OTHER FORM OF DEBT UNLESS YOU CAN PAY IT OFF EVERY MONTH OR USE DEBT RESPONSIBLY!!! It is possible to USE debt and not HAVE debt. It took me a really long time to realize this. What do you think? Do you think the rewards make using credit cards worth it? Or do you think credit cards are a trap? #thebudgetmom #debtfreecommunity #debtfreegoals #debtfreejourney #debtfreedom #payoffdebt #creditcardtips #creditcardrewards #debtpayoff #moneygoals