It’s a new year, and now that I’m through the holidays, I’m on track with one of my New Year’s Resolutions: Don’t Use Credit Cards.
Both credit cards are in a drawer, safe away from my wallet. One is completely paid off, which means that I just have the one card to pay down. My car loan gets smaller every month, and my student loans don’t bother me too much right now, but I’m paying toward them every month.
The biggest expense (other than credit cards) is the vet bills. Thankfully, our other two kitties are healthy, so I just need to be good about budgeting for when I need to take them to get their yearly check-ups.
But I’ve learned to put a little bit of money aside, for those unforeseen expenses, which seem to pop up a lot when you don’t want to use the credit card.
My sister got me a cool cash wallet for Hanukah, and it’s being put to good use. There are no credit cards in it!