Ways to Stop Using Credit Cards

One option is to close the accounts. If the type of person that can not be extra money lying around, because then you are bound to spend it as it can be a good choice. With the closure of the account is no longer able to spend the money. However, the final bill can hurt your credit score, but if you spend a lot of money on cards, and you can not pay the money back, closing the accounts sooner rather than later will have less negative impact on your credit score.
Another option is to leave your card at home when you go out. If you do not have the cards when you go out, have a greater chance that they do not spend money for extra items you do not. Instead of credit cards to pay for things, start using cash. Create a budget you can live a week and only use that amount in cash. When you run out of money, you can not spend more.
You can also stick the cards in the freezer, or put it some place that can not easily reach, such as a closet or a high shelf in a box buried. The idea is to take away the convenience of credit cards. One of the many lures of credit cards can be too comfortable. Until you reach the credit limit will not deny it, and does not directly affect your bank account. The problem is that many people can not pay the full amount owed on credit cards, we begin to make minimum payments and interest accumulate. This begins a vicious circle constantly struggling to pay off the debt.
If you leave the cards in your sight will not work, then the other option is to cut them. A shredder scissors, or be sure to cut the cards, so you can not back together.
Learning how to stop credit card can be difficult, but useful. Have you ever calculated how much money could be saved if the interest is paid by credit card? As there are many thousands of dollars per year. If you find a way to avoid using the credit cards and start paying them, you will be surprised how much debt can be eliminated. Many people find that it is better to start small credit card debt because you can quickly pay off smaller amounts of other people think you should start with the higher interest credit cards, because you can save more money in interest.
The best way to avoid using credit cards, find the best method for you. Every man is different, so there is no one size fits all solution. The good news is that there are quite a few options.






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