I have gotten so in the habit of charging everything because we have one of those air mile credit cards. We pay it off every month, but I heard on tv this morning that it's the worse thing you can do.

We even charge our son's college tuition to rack up miles for him to fly back and forth for free. We've taken family vacations and had to pay no air fare. I think it's worth it.

However, the financial advisor on TV mentioned that you spend more when you charge. He believes you should use a debit card or cash. What do you think?

I have to agree about spending less when you fork over the cash. There has to be a way to spend less and charge. I like the free air milage too much. Thoughts?