Why am I such a idiot!!

jojitsui

I have only been carrying my credit card around with me for the past month (my old one had expired and I had a nice new shiny one in the post and popped it into my purse without thinking) I have already spent over £350 without thinking about it.

I am so angry as I have tried so hard to reduce the outstanding amount and now I feel like i'm back to square one. Grrrrrrrr :mad:

**purpleprincess**

Don't call yourself an idiot! You have realised now before the damage can get worse so you have done something positive. Take it out of your purse or cut it up. Now draw a line under it and start again tomorrow.

Is there anything you can sell or cut back on to make a little dent?

Hovel_lady

I agree with Purpleprincess. Take it out your purse right now!
I know from experience carrying round a credit card "just in case" is asking for trouble.
We now have debts of £21k to prove it :eek:
And you're not stupid, just human. Learn from your mistakes.
Good luck x

jojitsui

I never carry it. I have no idea why I even put it in my purse
Lesson def learnt though. Sadly I have sold all that I can already.
Just so annoyed at myself!!

redsquarelady

I heard a tip once...... Put the credit card in the freezer. Then if you really want something you have to defrost it before you can use it.
Not sure if it works, but i wish i'd thought of it before i ended up £28k in debt:o

Hovel_lady

Sounds like an excellant tip redsquarelady! Wish I'd thought of it too.

dreavi

redsquarelady wrote: »

I heard a tip once...... Put the credit card in the freezer. Then if you really want something you have to defrost it before you can use it.
Not sure if it works, but i wish i'd thought of it before i ended up £28k in debt:o

Defrost it? Its a card how does it need to defrost? Are you putting it in Ice cream before it goes in the freezer

gillypkk

can you return anything you bought?

gillypkk

dreavi wrote: »

Defrost it? Its a card how does it need to defrost? Are you putting it in Ice cream before it goes in the freezer

you put it in a bag full of water and freeze it.

dumpy

dreavi wrote: »

Defrost it? Its a card how does it need to defrost? Are you putting it in Ice cream before it goes in the freezer

Well you could use ice cream but it'd be more MSE just to use a tub of water.

Saturnalia

You didn't say what you bought on the card - anything you could take back to the shop and get a refund?

And if you do, get the refund put directly onto the card thus reducing the balance - if it's given to you in cash that has a nasty habit of evaporating out of your purse! (Or take the card statement with you and go to the bank/PO immediately and pay it.)