Recently, I cut up my two credit cards, started paying for (most) things with cash only, and made a BUDGET — like, a budget that I actually use. How boring am I? Stay with me here, because I think some folks out there in a similar life stage to mine might need to hear this.
Cutting the credit cards was the weirdest, and hardest, part of my money transformation. When I was a sophomore in college, I opened an envelope from the bank that I thought was a statement for my debit card, which was probably over-drafted. Inside, I found instead a shiny credit card, accompanied by a note saying I had 700 whole dollars I was allowed to spend.
Boy, did I spend.
At first, I was like, “K, I need to be smart about this. People wrack up credit card debt faster than they can say ‘Nordstrom anniversary sale.’ I’m just gonna use this on big things and emergencies.” Riiiiight.