I put my credit card in the drawer this week. It all started when I read Gail Vaz-Oxlade’s challenge to take a weeklong credit card fast and eagerly accepted.
My weeklong credit card fast
At first I wondered if I’d forget about the credit card fast but it turns out it wasn’t any trouble. The day before the fast I made a teeny boo boo and paid my bill 12 hours too late. With my credit card this means I get punished for two months by paying interest on every single purchase I make. Sigh.
So, regardless of the fact I pay my bill off each and every month I’m grouped in with the other late payers.
It proves they are not interested in a partnership or relationship with me. They just want my money
It hurts to the point I’m willing to extend my fast to two months. And use it to look for a newer, less nasty credit card.
To be honest I’ve never liked the deal I have going, but I’ve always been too lazy/uninformed to bother finding a better one. Until now.
Cue the credit card fast
Now not only is my credit card in the drawer, but I’m getting used to spending cash and I like it.
Oh, and also all of my gift cards.
My attitude makes me a bit sick.
So I’m starting to pay a bit more attention to the reasons Gail is encouraging us to take our credit situation seriously.
I encourage you to take a look too. Sure, maybe my situation is a bit easier because I’ve got myself into a spot where it’s easy to stop using my card, as well as in my best interest. But I’ll bet you can find good reasons to take a good look at your situation a bit closer too. And maybe take a day or two off of the zip zip.
Points be damned!
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3 Responses
Good for you Robyn!
Hubs and I cut up all our credit cards in January and have been living without them ever since. It’s lovely to only buy things with cash (or debit in our case usually LOL). You can get points on your debit card these days if you really want points that bad at some banks!
WOW you cut them up that’s serious Kortney! I’m only an infant compared to you guys 🙂 That’s a great achievement.
Yep all gone. It’s fabulous and you truly have to live in the now. We’ve run into a few problems where we’ve had to give my parents cash and have them put something on their credit card, but it’s so nice living (kind of) debt free and never worrying!