TRYING so hard NOT to use credit cards..
Find a Conversation
TRYING so hard NOT to use credit cards..
| Wed, 09-03-2008 - 3:40pm |
Today I had to though. I needed to order my books for my college classes. I was upset because 90% of the books I can buy used. This time I had to buy new, and was not happy.
I am snowballing my 24.9% interest credit card.
I really am trying to spend less money. My atm fees get me, and gas. Instead of paying $200.00 a month for riding lessons, I am cleaning stalls two days a week.
My goal is to have the credit cards paid off in 6 months, and than start paying off the HELOC and student loans.

If you got the credit I would apply for a credit card that is lower interest that way more of your money will go on the debt then into interest.
Mary Ann
Tara
Don't be too hard on yourself. Its a challenge to give up the plastic habit! I am still struggling with it after a year (mainly because I have bills that go straight on my CC )
If bank and ATM fees are killing you, could you start a cash diet? I finally realized (again after 10 months) that using my debit or putting things on CC just to pay off right away didn't work. I switched everything over to a branchless bank (no fees) and opened ING savings accounts (higher interest). Every payday I take out my spending/ grocery money for two weeks and thats what I have. Once its gone it gone. Its taken A LOT of small changes but its doable!
Good luck!
Bex -
"Yesterday is history, tomorrow is a mystery, today is a gift -thats why its called the present."
Bex -