Good-Bye Plastic!

Yesterday I finally did it!! Cut up those cards!! Yippee!! Actually I gotta tell you, it's a very freeing feeling. No more overspending cuz we "put it on the card" (the average person spends 12-18% more when they buy with credit, even if they are paying it off every month). No more momentary catch of breath because I can't remember if I remembered to pay the credit card. Woo Hoo!!

Now, you say, what about those rewards? Well, something like 75% of them are never used. But if you're a faithful user of them and never pay your card late, you're still probably spending more than you would if you handed over cold hard CASH, right? Cuz that hurts. Ouch.

As for me, on rare occasion I accidentally pay the card late. And that $39 or whatever fee totally cancels out any discount I may have received at the time of sale. And it ups significantly what we moms have too many instances of anyway...guilt.

And just in case you're wondering, you can do everything with a debit card that you can with a credit card, and they are just as safe. The only possible thing you may run into is there are 2 rental companies that don't accept debit cards. Why I don't. But the other rental companies do. So if I have to rent a car, I'll just go with them!

There, I'm off my soapbox. Aren't you glad? LOL

When Jaden got up from his nap, he got in the fun with me! He's concentrating so hard here...

Yes, buddy, they are tough to cut up. You should try calling and canceling them! I was only given about 300 reasons why I shouldn't cancel them. But I held firm! And as you can tell below, it was a GREAT feeling!