Fiscal Responsibility

Its good to see this post revisited. Its an easy trap to fall into. I would venture to say the large majority of us have "over-extended" ourselves on cigar purchases at some time or another. Personally, I cannot be trusted with credit cards, so I do not carry them. My wife does the same. We follow Dave Ramsey's philosophy and have a reserve for emergencies. If we "HAD" to take a credit card out, it would be only for the worst of the worst emergencies that our reserves could not cover. A major sale at your favorite B&M or online cigar shop is NOT, I repeat NOT, an emergency. Also, it feels good to be able to receive a purchase or even just smoke a cigar, knowing that there is no looming credit card bill coming behind it in the mail.