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Any time you’re starting a new habit it feels foreign, but in a very short time it becomes normal and you will wonder why you didn’t start using for a few months, that became our new normal and it just made sense.
We were no longer spending more than we made on crap we didn’t need.
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This is one of the biggest myths about credit cards.
If you take the time to put together a proper emergency fund, even a small one, you just don’t need a credit card for an emergency.
Do a zero based, balanced budget, and give every dollar a job to do.
It’s because now you are spending only what you have instead of not keeping track and spending more than you make, which is easy when you use credit cards.
Most people just blindly believe these myths because of good marketing by the credit card companies and the herd mentality of to do is commit to getting rid of your credit cards for good.
Decide that you don’t want to be like everybody else out there, falling prey to the marketing hype and the paycheck depleting, never ending payments.
That’s money you could be using for a lot of things other than the privilege of owing somebody money.
Plus, if you’re like most people, credit cards are causing you to spend more than you make, which is obviously not sustainable. Almost everybody has used one at some time in their life, and more than half of people carry a balance on their credit card from month to month.