The best plan in my opinion is not to have a credit card at all. Problem is that there is more protection when a credit card is used. When we experienced fraudulent use on our account, our credit card company made ‘good’ on the expenses charged to our account.
My husband is more cautious in using a debit card online since actual funds can be extracted fraudulently.
What we do not have is more than one credit card.
It is such a temptation to get more credit cards. There is always another credit card being offered when you shop.
Amazon always lists what you will save if you get their card.
I have been offered these steal-of-a-deals when I am out shopping where I will save a certain percent immediately if I get their credit card!!
That sounds too good to be true!!
You’ll save 10% or you’ll save $10!!
Recently I was pulled in with two of those offers. You know I have not totally arrived, just on a journey that I am candidly sharing.
In one store, I was shopping with my daughter and helping her prepare to go overseas. I ended up with a balance to pay after a few weeks. UGH!!
Needless to say, I paid my bill and cut up the cards with a thrill like none other.
But what if . . . What if you are caught into carrying a bunch of credit cards in your wallet?
What if . . . you have several of them maxed and desperately want to curb your spending?
How You Can Control Your Credit Spending
If you have a balance on more than one card, just STOP!
Dave Ramsey suggests cutting them up!!
We have one card and my husband will NOT allow that. This is where submission comes into play.
As to those extra cards women can accumulate in different clothing and craft stores, that has nothing to do with your husband’s desire to protect your family. Those cards will just tempt you to overspend. Besides, if you must, you can still charge with that one card. Not that is a wise decision.
That is why I cut those two cards up. They would only have tempted me.
Ways to control your credit card spending will surprise you!!
- Stay away from stores when it is not in the budget. You will just be tempted
- Put aside $10. a week or something you can afford
- Cut up extra credit cards (so you have only one or less)
- Pay up your credit cards before charging again
- Never ever charge clothes, crafty items, decorations, household items unless you have the funds
Want to know the best way to control your credit card spending??
Use cash!! Yes, cash!!
What is your greatest challenge in the area of credit card spending?
Welcome to WholeHearted Wednesday #192
WOW! It’s Wednesday again! Welcome to our WholeHearted Wednesday Linkup for bloggers!
First off, I’d like to share one of the posts from last week’s linkup party. Beth over at Messy Marriage has been faithfully visiting my blog for almost 5 years now. She had the most clicks . . . but that isn’t how I will always chose who I will feature. Sometimes I will chose a post that I enjoyed reading. Just for the record, I always enjoy what Beth shares as she always stretches me in my marriage.
My Failures, God’s Inroads by Beth Steffaniak over at Messy Marriage.
Now let’s link-up!!
This is a weekly Christian link-up
WholeHearted Wednesday’s sole purpose is to point people to Jesus! We hope that this link-up will be a source of encouragement to those who stop by every single week. If you are a blogger we hope that you seek to meet new people and share the fellowship available through this community. If you are a reader we hope you will find the fellowship in Christ through this community and meet like-minded bloggers. Most of all this is a place where we can share Jesus and fellowship.
My name is Judith Kowles (sometimes known as Judie) and I am the author and owner of WholeHearted Home. I would love it if you would follow me where I love to hang out the most.
WholeHearted Home | Judith Kowles
THE AWESOME RULES!
- Follow me through my blog or my social media channels. This is not mandatory but sure appreciated.
- Leave as many of your most recent or forgotten CHRISTIAN FAMILY/HOME/LIVING posts. We also reserve the right to delete posts that do not align with a Christian perspective or that are deemed by the hostesses to be inappropriate.
- Visit at least one other link and leave an encouraging comment. Please do not link and run. This is a party and without fellowship both my blog and yours will die a slow death!
- Your post(s) will be randomly sorted on this link-up. That means you may come as early or late as you’d like and the fellowship will be ‘even’ more fun!!
In Order to be Featured Next Week
I will do my best to share a featured post each week. When I am out-of-town or life ‘happens’ that may not be possible for that week. Just wanted to leave myself room to be real.
- Grab a button or link back to WholeHearted Home to encourage new linkers. This is not mandatory for the linkup, but is required for being featured.
- I will choose one link to feature and promote via my social media channels next week.
- By linking up you agree to allow me to use your featured post image if you are chosen as a feature for next week. By linking up and leaving your email address, you also agree to receive e-mails relating to WholeHearted Wednesday.
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Latest posts by Judith (see all)
- My One Word Journey - January 17, 2017
- Grace is My One Word for 2017 - January 10, 2017
- Ditch Your New Year’s Resolutions and Choose Just ONE WORD - January 2, 2017