I use my credit cards because they are both rewards cards and sometimes it's just more convenient. I am certain to always make an entry in my checkbook for the amount that I charged so I can pay the bill in full when it comes due. I get the benefit of time delayed payment plus rewards.
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I have about $40,000 in credit card debt, yet I was still using my credit cards. I know- not very smart. This week, I decided to get smart. I shredded all of my credit cards! It felt great and now I know that I am literally unable to add to my credit card debt! I will continue to pay my bills on time and try to pay more than the minimum due. 410
I always find SOMETHING I think is cute, but remind myself, "Do I really need it, or would I rather spend money on more important things?" (like paying down my credit card debt or saving for kids college education)
Also, I have a list of things I buy that I really can't resist, and look at every so often to think to myself "I could of spent that towards paying off my credit card".
I also don't use credit cards anymore. If I can't pay for it with cash, then I can't afford it!
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