Heidi ho, ladies and gents. Took the weekend off to spend with the family, now I'm back in business. And what do I come back to? Try scratch n' sniff credit cards. You heard me right, jack. It's the latest in stupid technology, see? Seems the plastic pushers are looking for an edge; a way to get you to keep their junk in your wallet or purse. So they invent cards that smell like coffee, or lemon, or raspberry. To me, it all smells the same ... like trouble, baby. The best credit card rate is zero ... as in no card at all.

I tell you what ... paying for stuff with cash smells sweeter than a cute dame's perfume before a big date. Saving up extra cash, which you have once you pay off debt, is the key to having peace of mind when it comes to money. You want coffee in the morning? Buy it and make it ... don't have it cost you 18 percent interest each time you pay for something. The Dave Ramsey Show talks about how much you need to deep-six your debt, so start with the stinking plastic.