HIDE your credit cards! It can be really hard to cut down on using credit cards, especially if you're first starting out in a journey to stop using them altogether. If you need them for an emergency, you'll have them, but if they're out of sight, they're out of mind (and wallet).
Break the cycle of debt - this really is the best first step you can take towards financial stability! It's hard, but once you stop using credit, you can focus on paying off debt. I'm nearing the end of a six-year battle and I'm WINNING it - slowly and steadily.
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Each pay day I take out a set amount of money for my groceries, gas, and free spending. My grocery money goes into one envelope, my gas money into another, and my free spending money into a third. Paying cash for everything has enabled me to save more money than ever before.
This system also enables me to live debt free since I am no longer making purchases on my credit card.
Our credit union has a change counting machine. I can throw my coins into the machine and it goes straight into my savings account. I don't have to roll or wrap and I don't pay a service fee like the charge from the grocery store's coin machine.
A once a week stop at the credit union to get rid of loose change makes the savings add up quickly.
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