I now know that I MUST do it. A few weeks ago I cut up my Target Visa and my Hooters Mastercard. (Yes, I actually have a Hooters Mastercard!) I have spent all my cash, and with two days til payday, this evening I used one of my credit cards to pay for pizza.
1.) I should not be eating out. 2.) I dang sure shouldn’t be charging it! In order to stop using them, I am simply going to have to cut them up. While I know that available credit does not equal available money, there seems to be a disconnect somewhere between my brain and my wallet. I don’t like to think of myself as a person who is irresponsible and has no self-control. I suppose this is why I have continued to carry credit cards for years, believing I could always stop spending whenever I wanted. So I intend to keep one Visa and one gas card in my lock box at home and I will get my scissors and cut up the rest! I will do this because I AM responsible enough to admit that it is what I need to do.
As I searched for an appropriate pic to include in my post, I came across this post. How appropriate and just what I needed to read right now! I love that a Bible verse is included. It is like confirmation. Never found a pic, but I did find a great new personal finance blog!
Filed under: Action Plan, Bills, Bills, Bills, Debt Payoff, Tips, Tricks, & Ideas, Uncategorized
