At Credit Card pundit we believe that credit cards can be great tools when used wisely. But we also know that they can lead to a lot of stress when used to buy things you can’t really afford.

Like almost everything, credit cards can be a blessing or a curse. A credit card can save you in a pinch, providing needed financing when your cash flow won’t cover a surprise expense. But relying on a credit card too often for everyday needs can turn a precarious financial situation into a dire crisis.

If you have trouble paying off your monthly credit card balance, and are carrying a debt over from month to month, here are some steps you can take to lessen your dependence.

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You might think I am crazy, but it seems to me right now, or very soon, is a perfect time to invest.

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I started biking 10 miles a day and I’ve been taking my iPhone along to help figure out new bike routes. The other day, it was smokin’ hot out and I really wanted an ice cold drink from 7 Eleven. Problem was, I didn’t have any cash.

Then it occurred to me that it would be awesome if my iPhone could double as a credit card. Wouldn’t it be great if I could whip out my iPhone, go to the CC app and have it scanned by a device in the store?

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How long before the US Dollar is worthless?

What can we even do about it?

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