While it can prove unreasonably inconvenient to stop using your credit card entirely, most of us can find ways to cut down.

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In short, I want to do something about the environment, because when I see the documentary of the "Planet Earth" by BBC, or the "Inconvenient Truth" by your former vice-president Al Gore, I was so touched.

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Among them: it is inconvenient, undignified and an invasion of your privacy to be forced to remove your shoes, jackets and belts, take off your belt and take your computer from its case.

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It just will not work, so using your smartphone or tablet requires that you strip them off, which can be inconvenient.

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There is, however, a little-known--if inconvenient--escape hatch: Under IRS rules, you can move your investment from one state's plan to another state's plan without penalty, so long as you change the account beneficiary as you do so.

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You can even filter the results to exclude inconvenient flight times and limit layovers, though you will likely pay more for your ticket as a result.

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