I remember thinking that there was no way I could live without a credit card.
Now that the economy is the way it is, now that I have charged up my credit cards to its maximum and now that I cannot afford to pay even the minimum payments on these credit cards, I KNOW that I can survive without one.
My credit score is lousy right now. My credit card accounts are delinquent. I have no credit cards anymore. I have no credit. I probably can not get any credit. It’s ok. My life is not over. I do have a checking account. I do have money in the bank (on most days). I have a debit card. Again, I’m ok.
I have learned to buy everything with cash (or debit card, same thing). If I don’t have money in my checking account, simply put, I cannot purchase a thing. I have learned to plan better. I have learned to buy only what I *need* today. If it can wait until next payday, it does. I am very mindful of each item I put in my grocery basket.
All is good. I do without, yes I can! You can too!
