Originally Posted by KiwiQuilter
I've been good for the last month :)
But... I made a really radical decision and to be honest I really don't know how I am going to cope.... What I did was cut up all my credit cards and close the accounts. Eventually I will get a debit card (kind of like a credit card but money is already in the account). That is a long way off...
So - no new purchases for me for a LOOONNNGGGGG time :(
I closed out my credit cards 2 years ago...and later found out that doing that drops your credit score...I didn't know that before hand or I just would have paid them down to zero and not used them.
Anyways, glad I know longer have them...even if the credit score dropped. I use my bank debit and paypal debit card for everything and don't have any problems when I travel or make purchases on-line. And like you said, the nice thing is knowing that you already have the money to pay for it.
Good luck.