About Jon Dulin

Hi, my name is Jon and I run Penny Thots. I blog about many personal finance topics, but my specialties lie in investing, paying off debt, and achieving your financial goals. You can learn more about me on the Author Page.


  1. AvatarCrystal says

    What’s stopping me is the cash back I get for using my credit card. We charge most everything and ALWAYS pay our card in full each month. By doing so, we incur no finance charge (also, our card has no annual fee) but get back $200-$300 per year. I’ve done the all-cash thing and totally believe in only buying what I can afford to pay for in full (new car included) but using my credit card nets me extra cash.

  2. AvatarChris says

    I love the only-cash philosophy. While we do use our debit cards, we do our grocery spending with only cash – for the very reasons you listed. We’ve been able to save and control our spending much better by using cash. Thanks for sharing.