Went the whole month without using a credit card!!!

bigmaz

Hi guys, its maybe not a great deal to certain folk, but we have started to try and budget, as we were just spending too much every month and didnt even know what on, the money was just dissapearing, and at the end of the month, the Visa was used to do us over. Finally, were at the end of Novemeber, and we havent had to use it at all this month!! Chuffed, haha. ok..... I am a sado!!

Upsidedown_Bear

Well done you :T

qwertymouse

Good work, now do it again!

ILW

Cut the thing up and just use your own money.

abundant1972

That's brilliant - well done.

I agree with ILW - cut it up as soon as you can. What I have done is kept it at zero balance (you have to be SURE you can do this) as an emegency fund - until I can save the same amount as my credit limit (£500). Once that's done I'm cutting it up and saying goodbye to credit cards forever!!! With Christmas upon us - if the temptation to spend is going to be too much I'd just get rid.

It's a great achievement though - well done.

:T

Everhopeful09

Well done Bigmaz, I did something similar & cut up the credit cards and actually managed just fine without them. So didn't increase my debt and won't reorder the credit cards either!

bigmaz

abundant1972 wrote: »

That's brilliant - well done.

I agree with ILW - cut it up as soon as you can. What I have done is kept it at zero balance (you have to be SURE you can do this) as an emegency fund - until I can save the same amount as my credit limit (£500). Once that's done I'm cutting it up and saying goodbye to credit cards forever!!! With Christmas upon us - if the temptation to spend is going to be too much I'd just get rid.

It's a great achievement though - well done.

:T

By the way, thats a great idea. Need to get our balance to zero first th, will take about 4 or 5 months to pay it off. Then will start an emergency fund like that. Would b amazing to have savings.

Deep_In_Debt

Well done OP.

The challenge now is not to use it for December and Christmas if you can.

Mort

bigmaz wrote: »

Hi guys, its maybe not a great deal to certain folk, but we have started to try and budget, as we were just spending too much every month and didnt even know what on, the money was just dissapearing, and at the end of the month, the Visa was used to do us over. Finally, were at the end of Novemeber, and we havent had to use it at all this month!! Chuffed, haha. ok..... I am a sado!!

Well done and keep it up. I don't think you are a saddo at all.

If anybody doesn't see this as a big deal I would say more fool them.

bigmaz

cheers for the replies guys much appreciated. Gonna be a hard month, but should do it.

Bravehearted_2

Mort wrote: »

Well done and keep it up. I don't think you are a saddo at all.

If anybody doesn't see this as a big deal I would say more fool them.

Erm, not really. The fact that some people don't see this as a big deal doesn't make them fools just because you think it is.

Countless people use credit cards intelligently and make enormous savings with them.

Some might regard those who misuse them as the fools?