One of the most insidious problems I often face with clients is the use or rather misuse of credit cards. Swiping a card doesn’t feel as painful as spending your hard earned paycheck, but it should be. The road to credit card abuse starts like this: “I’ll have the money next month” which turns into “I’ll have the money next month” followed by “I’ll have the money next month”.
Stop it already! You have already spent next month’s entire paycheck and there is no way things will be any different this time.
How can you fix it?
If you’re in a hole stop digging!
Cut up your cards, put your card in a freezer bag, fill it with water, and freeze it so you won’t be able to use the card until you’ve had a cooling off (or a warming up) period.
Use a debit card.
Anything, just please stop!