We all have those times where we have just paid all of our bills, just paid our mortgage note, and the car stops running or we have to leave town for a family emergency.  It seems these things always come up at the wrong time…when we have no money on hand.  Just because you don’t have money on hand doesn’t mean that you can’t do what you need to do, it just means that you have to do it in a little bit different way.  Credit cards can help you in a pinch.

While there is a lot of information out there about why you shouldn’t use credit cards, everyone should keep a credit card on hand just for those cases where you don’t have any cash and you need it.  While you shouldn’t be putting charges on your credit cards every day for items that you don’t need, in the case of an emergency it is 100% reasonable to use a credit card.  You should just make plans to pay off the credit card when you get paid again so you don’t accrue any debt and you can have the whole balance of the credit card available for when there is another emergency.

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