how do you do it

elantan

ok now some on here will think i've lost it but here goes...finally got hubby's visa card under control last month paid it off infact but we agreed to
a) keep it for emergencies
b) reduce it's limit to as low as it can go(£500)
c) clear it off every month
thinking we could keep a handle on it ..well i've just looked at the statement online the next payment is dueon the 16th of next month and i need to find £240, worst of all is that i can still spend on the limit till the 2nd to make it into next months bill... so obviously were spending when we shouldn't be does anyone think i should just cut the blooming thing up so that temptation isn't there ..or can anyone offer advice on how to just use it for emergency purposes only?

CAFCGirl

I'd say pay it off if you're able to, if not pay off as much as you truly and honestly can, then pay the rest next month, dont spend anymore on it, and cut it up!

I dont think you should beat yourself up over it, but btw what was the emergency?

southernscouser

Cut it up!

Don't take this the wrong way el but you are clearly using it to overspend again if you are not able to pay it off in full.

I don't see the point in using it if it's not earning you any cashback or anything!

Starry-eyed_surprise

Freeze it? (literally) I know some peole do this. Then you have to thaw it out if an emergency arises HTH:D

FatJock

elantan,

As CAFCGirl says - dont beat yourself up over it. We all have set backs. Try putting the credit card in a bowl of water and sticking it in the freezer. That way you'll have to make the effort to use it and this will give you the time to decide if you really need to use it or not.

Cheers,
FatJock

lynzpower

What was the emergency?

If you didnt use it for a literal emergency, ie your house has burned down this covers a hotel, your car has broke down you cant tget to work,

then in all fairness, its not an emergnecy.

If you MUST have one for emergencies, then can you leave it with for example a relative, in a locked box.

elantan

i wrote a reply but it got lost basically ss your right i am totally overspending i bought 7 tickets for the levellers ..where on this planet does that constitute and emergency ? i thought i could trust us now we had a grip on things but i feel like it's two steps forward one step back ..thatnks starry eyed never thought of that one ..i just don't know if i trust me

southernscouser

elantan wrote:

i wrote a reply but it got lost basically ss your right i am totally overspending i bought 7 tickets for the levellers ..where on this planet does that constitute and emergency ? i thought i could trust us now we had a grip on things but i feel like it's two steps forward one step back ..thatnks starry eyed never thought of that one ..i just don't know if i trust me

Theres nothing wrong with buying tickets and what not. You still have to enjoy life. But the key is to budget for them!

Ark at me being whiter than white! :rotfl:

All I'm trying to say is don't start relying on the CC's again. If you can't afford to clear the balance every month then you are clearly overspending and even worse, you are on the slippery slope again! :eek:

elantan

sorry i'm slow at typing i got as far as starry eyed surprise then posted ..lynz you are totally right maybe i should cut this one up and try to survive till after xmas then see if i can trust myself again ..infact just now thinking about xmas is starting to scare me ..like really scare me cause i don't know how i am going to manage not spending as much on people as i usually do ...but i have to if i wont to get out of debt

lynzpower

Be fair on yourself Elantan, you havent been here that long, and you yourself have also said that you dont completely trust yourself.

You are right levellers tix are not a NEED they are a WANT, and you havent been able to resist, having the debt card there, you hve allowed yourself to buy them. I suggest geting rid of the blasted card, chopping it up, paying the balance and CLOSING THE ACCOUNT DOWN.

Incidentally- Why 7 tickets????

elantan

well there is the 4 of us going hubby son nephew and me and i bought 3 pals some as well ..can someone please shoot me now....why oh why do i keep doing these stupid things ..it's total habit for me ..yeah ok let's go i'll pay buy etc ..i've got a visa don't worry we can afford it ..then i wonder why i'm £16,000 in debt ..i think i felt so proud that we had actually paid the thing off and had a zero balance then some some switch in my brain turned on and went ..ohh money to spend must spend it