After a few difficulties a while ago, I'm trying to be more financially prudent. One thing I'm following is Dave Ramsey's teachings, especially the "debt snowball." But one thing Dave does not like is using credit cards for purchases. But I don't fly as much any more for work, so I really need credit card spending to have a chance at award travel. Has anybody reconcilled these concepts? I think that the credit card points (I still have a Starwood AMEX as my only card besides a debit card) are worth the risk of temptation.