Attention, Entrepreneurs and Legacy Builders!
If your credit card bill looks like it needs its own accountant (spoiler: it doesn’t—just better decisions), then buckle up. This isn’t your average blog about “how to get the most cashback” or “how to finesse free airport lounge snacks.” Nope. We’re going to tear down the flashy facade of credit cards and expose them for what they really are: sneaky little cash-sucking machines dressed in glitter and rewards points.
Here’s the thing—credit cards are like that toxic ex who sends "I miss you" texts at 2 a.m. They lure you in with promises of rewards, points, and exclusive perks, but the next thing you know, they’re charging you 23% interest on that coffee maker you bought six months ago. Oh, and now your local coffee shop charges you extra just for using the card. It’s a circus, and the credit card companies are the ringleaders.
Let’s get real. Rewards programs? They’re just breadcrumbs to keep you spending. Vendors charging you 3% to use the card? Yep, that’s coming straight out of your pocket. And those annual fees for exclusive cards? Congratulations, you just paid $500 for bragging rights at the airport lounge. Fancy a free glass of champagne with your ego?
And can we talk about AMEX for a second? Look, AMEX, we had a good run, but you’re living in the past. The fees, the diminishing vendor acceptance—it’s like trying to pay for groceries with a Blockbuster membership card.
Here’s a radical idea for 2024: stop letting credit cards own you. Let’s take it back to basics. Use credit cards as a tool, not a lifestyle. They’re there for cash flow, not cash grabs. Pay off the balance every month. If you’re carrying a balance, you’re doing it wrong. Those interest rates are basically legalized robbery.
Oh, and the rewards? Forget the free plane tickets. If you’re shelling out $500 a year just to qualify for rewards, you’re playing yourself. Cashback? Fine. But only if you’re paying off your balance—otherwise, you’re just spending more to get less.
Imagine a world where credit cards don’t charge sky-high interest rates or trick you into thinking you’re winning while they rake in billions. It’s not impossible. In fact, it’s overdue. The current system is bloated, outdated, and designed to keep you paying more than you should.
So this New Year, make a promise to yourself:
If you’re tired of running your campground business like you’re patching leaks on a sinking ship, it’s time to rethink the way you manage your finances. At Campground Accounting, we help you breathe life into your business by making smarter decisions—like rethinking those shiny pieces of plastic in your wallet.
Ready to take the first step? Make your credit cards work for you, not the other way around. Because there’s more to life than fees, and there’s more to business than overwhelm. Let’s get to work.
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Donna Bordeaux, CPA with Campground Accounting
Creativity and CPAs don’t generally go together. Most people think of CPAs as nerdy accountants who can’t talk with people. Well, it’s time to break that stereotype. Lively, friendly, and knowledgeable can be a part of your relationship with your CPA, as demonstrated by Donna and Chad Bordeaux. They have over 50 years of combined experience as entrepreneurial CPAs. They’ve owned businesses and helped business owners exceed their wildest dreams. They have been able to help businesses earn many times more profit than the average business in the same industry and are passionate about helping industries that help families build great memories.