I try to keep my wallet as light and streamlined as possible (no Costanza wallet for me!). To this end, I’ve found the following strategies to be particularly useful:
1. Carry one credit card. In fact, own as few as possible; signing up for every store card, or offer that comes in the mail, only complicates life. Who wants to deal with all that paperwork? (And worse yet, all that potential debt!) I typically keep two credit cards at a time: one with a high credit limit, for travel and big-ticket items; and one with a low limit for online shopping (to lessen the hassle if the numbers are stolen).… {Read more}