credit crd is not free money...a credit card is not free money...

lynzpower

chop the cards up

youll never get out of debt while you continue to get in sounds obvious? it took me years to learn :rolleyes:

After that lets see your SOA and seeif theres a budgeting problem - there has to be if you are putting food on your credit card?

BlueSkyDay

Hi Jak

This is my first month, too, and it's hard to break old patterns. I keep thinking I'll use my cc because it feels scary to use my current account. It is a well known fact that things bought with a credit card don't cost anything and keep the money in your bank account safe :rolleyes:

Making myself believe that using my switch card and upping the overdraft a bit is better than using a credit card has been stupidly difficult. I've had that 'no money' moment too often, I think, when I go to get cash out of the machine and it refuses. If I vaguely thought I was anywhere near my OD limit, I would use the cc (of course, checking my balance was out of the question :rolleyes:)

All cards now in a file, not my purse, by the way.

I think becoming an MSE is about learning new money disciplines - it can't all be done at once so don't beat yourself up.

Good luck next month

Blue

Grade_A_Reject

Broken_hearted wrote:

Cut it up then burn it, that way you can't piece it back together to use online.

Cut it up, burn it then put the ashes into several envelopes and post them to different countries just to be really sure.

(This is begining to sound like the Four Yorkshiremen sketch)

oops_a_daisy

replace the word 'credit' card with debt card - somebody on here had that in their signature and I think it is so true...

immoral_angeluk

Put it in the toaster. Obviously outside... away from anything combustable... and stand well back.. (In fact forget the whole thing... can imagine what the health and safety brigade would have to say about that!)

Grade_A_Reject

Or....you could try this....

http://www.willitblend.com/videos.aspx?type=safe&video=creditcards

Try piecing that lot back together!!

immoral_angeluk

Grade_A_Reject wrote:

Or....you could try this....

http://www.willitblend.com/videos.aspx?type=safe&video=creditcards

Try piecing that lot back together!!

OMG why the hell did she have 24 credit cards??????????????

COOLTRIKERCHICK

Grade_A_Reject wrote:

Or....you could try this....

http://www.willitblend.com/videos.aspx?type=safe&video=creditcards

Try piecing that lot back together!!

:T :rotfl: :rotfl: :rotfl: :rotfl: :T

good one

Pan_3

Batfink wrote:

Another cutter upper here, although - I was sat today thinking 'Oh, I'd like to go shopping - but I can't because I've cut up all my cards and have no cash'. I spent most of the day thinking that was a bad thing .... but now I'm still wearing my perfectly good old clothes and realising I've saved myself quite a lot of money today!

Batfink x

Really good point this. It is just about getting through the day and taking it one day at a time. If you can get through the day until the shops are closed you do ALWAYS feel so much better!!

jak

Thanks everyone. I'm going to put it in the freezer. And leave it there!!!!!!!!!