Just started – cut up all my cards as of last month. Have not charged anything since October. On the path to doing completely without credit cards. 5 years ago
Get rewarded for your shopping skills on Shop for Fun
Shop for Fun is an online fashion game where you build a dream wardrobe and create outfits to win Amazon gift certificates.
www.capitalone.com/CreditCard See our top rewards & rates. Find your best card.
www.discovercard.com/ Your APR won't go up for paying us late! Apply for Discover it.
Totally worth doing!! Good luck to all who want this for their lives…. Never be in debt again! it is so freaking freeing!! I will never go back. 6 years ago
I have been credit cardless since April 06’ and I’m lovin’ it! No monthly payments, no un-neccisary purchases-
Way to go me!!! 6 years ago
Credit cards are a fact of today’s life…You find credit cards just everywhere: at stores, gas stations, enterntainment places, airports and railway stations… they are good as long as they do not swallow you up in debt. When I was in debt using my 2 Discover credit cards and one of the best airline credit cards, i felt like in heavy chains…when you can afford nothing extra and only working to avoid bankruptcy… now, as i’m off with my debts, i think, will i use it again? i can, only if i improve my spending habits first. 6 years ago
It’s been almost a year and I feel so much better. Just whip out the cold hard cash when I fill up at the pump. 7 years ago
most folks don’t use CC’s as a spending tool; they’re an ‘emergency fund’, something to use when the transmission goes out, the kids need shoes, or you need to stretch @ Christmas.
Thing is, these ‘emergencies’ are just life, so expect them. Save up $1000 in a liquid account that you can access is you need it, then just let it sit until an emergency arises.
Later on, when you’ve paid-off your credit cards, build up 3-6 months of expenses in a “super” emergency fund, and you’ll find you just don’t have emergencies anymore.
idea from Dave Ramsey7 years ago