As of last week we have confirmation that we no longer have a credit card! What an amazing thing this is, it has remove more stress than I realized even existed in my life and my marriage. Life is improving and I certainly know that momma is happy to be rid of credit card debt forever!
I can tell you that we have had some adjustments to make but none that are truly difficult, and the net result is worth all of these changes. The primary difference is instead of paying interest on my "emergency fund" card I actually earned interest on my "emergency fund" account. True it was only $2 but lets factor in the detail that I didn't pay any interest out. That is a minimum net of almost $180 per month.
I am VERY happy with my first few months of life without the use of a credit card. Which is why I encourage every one I meet to shred the card and live with out it. I have earned nearly $250 more since I cut up my card so now I can answer the question that Capital One is always asking... CASH!!!
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1 comment:
Good post.
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