I spent six and a half months unemployed. It was pretty scary most of the time, and since I don’t have a credit card with every single bank in the world, it kinda got touch and go right before I got my first paycheck from my current employer – which totally needs a nickname right about now. I’m pretty happy I didn’t go full force into charging everything I wanted while I was jobless. I can only imagine the giant mess I’d be in right now.
As it is, I owe the IRS quite a bit of money, but that’s what payments are for and that’s what happens when you cash our your retirement plan to go on a Caribbean Cruise. (Yes, I did that to some degree. No, I don’t need your lecturing on how I shouldn’t have!)
But you know what? I’d highly recommend sticking with just one credit card, and call it the emergency one. And just use it for emergencies. Emergencies like ordering pizza and a new hoodie from Old Navy are not emergencies, and this is advice from my 22 year old credit card using self.