#156: Would you like to know how we paid for our vacation at a horse ranch without credit cards? It’s easy: We prepaid for our travel expenses with a debit card, prepaid for the week at a horse ranch by check, and paid cash for the rest. Oh, and we saved more than $160 by staying away from credit cards. In this episode I break down the different ways to pay for things like rental cars, souvenirs, and hotels - no credit cards necessary. The reason I stay away from credit cards will become evident when you hear our story of paying for the horse ranch. It is proof that plastic is more expensive than cash or check, we just don’t realize it is. Here is 7 minutes of beautiful horses crossing a river of melted mountain snow   Read more at