Stop using credit cards

so i can’t use them anyway but that’s ok! i’m feeling good about this! i’m thinking i’ll take 3 cards out of my wallet and leave only one, the one that i use for parking.

i’m taking the cards out of my wallet. that should help the lack of use. i’ve also devised a plan to pay them off. it means i have to make a go of my editing business but if that’s what i have to do, then its worth it!

i am permitted to use my card when i’m

a) paying for parking
b) buying something that i’ve already put the money on the card for

other than that, its all about paying it off. i need to pay regular payments on the card

This seems to help me.

but I am still making it a goal. I WILL NOT use my credit cards until they are paid off completely. That means ALL of them. I need to commit to this now, there is nothing so important that I have to have it right this minute. This goal will help me learn to wait for things, delayed gratification is a beautiful thing (repeat often) :)

stopped using credit cards in august. it is amazing! now i just budget for everything. have an emergency savings and don’t extend myself too far. DISCIPLINE. it is tough but well worth it.

I haven’t charged anything to my credit card in 4 months now, so I’d say I’ve accomplished the “stop using credit cards” part now its all about paying off the damage that I did 2-3 years ago.

I operate on debit almost exclusively, using a “secured” credit card (which I “pre-load” straight from my bank account every few months) for the rare times I need an actual credit card (e.g., to rent a car or book a hotel room).

I love not paying interest on my purchases.

I just love the interent coz I would never admit to this anywhere else. As of today Im declaring I will no longer use credit cards…For 12 months I will lay off and see how I go at debt consolidation. I reckon otherwise Ill be divorced too!

i’ll get a debit card with points today

& stop using credit card for unplanned purchases

if one day, i plan & decide to buy a TV or something, i’ll still use my cc for points/rebates & that won’t be counted as a violation against this goal