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This is Optimal Finance Daily, seven expenses to never put on a credit card by Michelle Schroeder Gardner of Making Sense of Sense.com.

Oh, credit cards, you either love them or you hate them.

For me, I love them.

I love the credit card rewards that come along with responsible credit card usage.

However, I know I'm not the norm. I've seen the mess

that credit cards have brought upon others, so I know that not everyone feels the same way I do.

Irresponsible credit card usage can lead to high interest charges, late fees, and a ruined credit

score. It can also lead to a person spending much

more money than they originally planned for. By signing up for financing or paying for a purchase

with a credit card, it may make the items seem more affordable due to the fact that you aren't paying

for it with money that you already have. Just because the

monthly payment seems doable, it doesn't mean that it's what's best for you. Debt can lead to stress,

a paycheck-to-paycheck lifestyle, delayed retirement, and more. These are all things that no one wants,

especially if there are other ways around it.

Side note, of course, there are always exceptions to the rule. If you know how to take advantage

of certain financing offers, then you may be able to come out ahead. However, if you know that

you're not good at handling credit cards and debt, then it may be best to avoid them completely and to not finance the items that I have listed in this blog post.

Here are several items you should never finance or put on a credit card unless you are 100% positive that you can pay them off in full before any interest

charges or fees accrue. Number one, furniture. Earlier this year, we bought a few new furniture

pieces after we moved to Colorado. The salesman kept saying that we could just finance everything,

...