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Snip...snip...

May 3rd, 2006 at 04:14 pm

OK guys. I read the responses to my last entry and you are right. I have my credit card in my hand. Extra sharp scissors in front of me. Here goes...

I JUST CUT UP my credit card. Oh my gosh! I threw some (tiny) pieces down the toilet and flushed them. The rest is sitting in the garbage. It doesn't expire until 2009 so the won't send me a new one until then.

Even though it's been sitting in a drawer, I feel weird without it.

No more impulsive online purchases. The cabinet is in the same room as my computer.

No more vacation spending. You know, if you're on vacation and having fun it's easy to charge things.

I can't buy things for the house and charge them. My reasoning is that I'm adding value to our biggest investment. The truth is that I just want it.

If one of the dogs gets sick I can no longer charge it. I need to be more serious about having an emergency fund.

No more taking DD to the mall and charging her clothes. She is always so happy and "loves me so much" LOL. But, I am the one left paying off those clothes and the interest charges. The next week I'm back to being "mean" LOL. She is 17.

I've had this credit card for years and years. I feel kind of strange, like a safety net is gone. I guess I need to build my own safety net, out of savings and not borrowing.

Thank you to those that commented on my last post. You are a good influence!

Posted in Uncategorized | 6 Comments »

6 Responses to “Snip...snip...”

  1. Thrifty Ray Says:
    May 3rd, 2006 at 04:24 pm 1146673470
    1146673470

    I will join your snip club...

    Hold on, Im pulling out the card....got the scissors...
    Ok....there is another snipped card in KarenSue's honor...

    Any other takers???

  2. KarenSue Says:
    May 3rd, 2006 at 04:34 pm 1146674059
    1146674059

    Wow Thrifty Ray! Did you really just do that? I seriously did cut mine up.

  3. carol Says:
    May 3rd, 2006 at 04:53 pm 1146675187
    1146675187

    Good girl cutting up that cc. They are just too easy to use and get in over your head with. That's why I don't have one'I'd be much too tempted to whip it out and use it too often.

  4. contrary1 Says:
    May 3rd, 2006 at 04:55 pm 1146675305
    1146675305

    I haven't cut mine up, but did take someones idea here and put a note on my card that gets used for on line purchases. I haven't used it since! So, I'm not going to cut it up........there is a zero balance; it's used for the netflix monthly fee as well as a calling plan I purchase for my mom monthly.

    Way to go on cutting up the cc's. They make purchasing things soooo easy don't they??

  5. Thrifty Ray Says:
    May 3rd, 2006 at 05:28 pm 1146677287
    1146677287

    I really did cut it up! I am going to look for all my old cards today that are in drawers and cut those up as well.

    I still have my cash rewards cc that I pay off each month...and DH has his card that we are paying off...but all others are all heading to the chopping block..

    Thanks for inspiring me to follow suit!

  6. Nina's Mom Says:
    May 3rd, 2006 at 08:29 pm 1146688188
    1146688188

    I shredded two new cards (well four actually, one for me, one for DH) that came for accounts that we never use, does that count?

    I keep in my wallet a an AMEX that I pay off each month (and believe me sometimes it is difficult) and a BofA Visa that I rarely use.

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