Afternoon tea with my family – paid for with cash!!!

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Why more people are ditching credit cards – Money – TODAY.com.

http://today.msnbc.msn.com/id/42688903

There is a subtle, yet profound, difference between austerity and frugality.   For me, it is similar to being in a grey prison or celebrating freedom under a blue sky.  Controlling the desire for consumption signals an increase in personal creativity.  I can see why people are ditching credit cards!