Thinking in a “cash only” takes a bit of time, but it will stop the credit card convenience addiction.

Financial Maturity Blog

Get a bank card that is tied to your bank account and get rid of ALL your other cards. You’ll still have the convenience of a credit card but each purchase is taken directly out of your bank account.

What I’m gathering from your posts is that you want to get out of debt but you don’t want to that badly. I’m afraid until you really figure out what you want, you will keep having problems.

In this day and age it’s difficult to avoid paying for things on credit card, it’s just so damn convenient, what I think I need to do is get over the “I need it now” urge.

And though I’ve tried in the past, budgets don’t work for me, I’m normally fairly sensible most of the time, but every now and then I get a little impulsive, and damn the expense.

If it were me, I would make out a budget so that I knew how much I could afford to pay
each month. Don’t make it an amount that stresses you or puts you in a bind. It may feel like
it is going to take longer to pay off, but in the long-run it is probably the best solution.

Good luck!

JLP

I did spend around $350. so I wasnt making any real gain, especially when you take into account the interest I pay.

The real reason I do it is that I get charged for more than five transactions a month, so I try to limit the amount of transactions I make on my savings (and I use that word liberally) account. The banks are making enough out of me.

Are you getting any points or credit for using your credit cards?

If not, why not just use cash to pay for stuff?
Financial Maturity Blog