I haven't been to a good size quilt show that didn't take cards, debit or credit. I put everything I buy on one card and write one check a month to pay it. Only one bill to pay. Seeing that one big total every month will curb my spending more than a bunch of small totals. I guess it's all in my mind but it works. TIP: If you have a teen who is eligible for a a credit card and dependable, get one for them. Use that card for most purchases and pay it off monthly. We did that with both our kids and they left college with a perfect credit score. It's been the best gift we could have given them. Lower insurance, better interest rates, even been good for job interviews and they needed no co-signers!