We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to and affiliated sites. Once upon a time I thought it was impossible to live without credit cards. But we were spending funds we didn’t yet have, counting on having enough at the end of the month to pay the bill.We participate in other affiliate programs as well. I think that motherhood should be savored, like a good piece of chocolate. Even if I had the funds “to pay it off every month,” it was the convenience I couldn’t live without. This worked fine for us until we hit a slick patch of unexpected unemployment and then it was a slippery slope into debt.Statistics show, as does my experience, that we are more likely to overspend when the money is not instantly removed from our possession. Until we get a big enough down payment and home costs are low enough, buying a home (and the ensuing mortgage) would be “renting money.” And renting is renting. Read this perspective on credit scores for more information.
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If you’re struggling to get out of debt, you have to get off the ferris wheel. We live better now than we did before, so I have zero regrets.
You can’t keep acquiring new debt and expect to wipe it all out. A friend called one day with some burning questions about credit cards. Here’s how we make it work: There’s plenty of plastic in my wallet, but it’s my debit card, store discount cards, and gift cards that now weigh me down. And if you don’t have a credit card in your wallet, you generally can’t use it. Some people freeze their credit cards in a glass of water and store it in the freezer. Some banks will allow you to turn the card on or off in your account. Once the accounts were paid in full, we closed them.
They have a great income and plentiful savings, but she felt that she was paying three mortgages when it came time to pay the credit card bills. We made it as difficult as possible for ourselves to go back to our old credit-spending ways.
They “use credit cards responsibly,” but she realized that she was enslaved by them. There’s no excuse that you have to use credit cards to shop online. I pay almost all our bills online without a standard credit card.