NO credit card month........ - The DIS Discussion Forums

njcarita · 01-06-2013, 10:46 AM

Going to attempt to NOT use my credit cards this month... at all.... was debt free and now cause of illness I am NOT anymore........... so really attempting to pay some of these cards off with in the next few years............... so my goal this month is to under NO circumstance do i use the credit card............. so i start today and see if i can make it thru this month....................

MOpGrad2013 · 01-06-2013, 11:13 AM

Wishing you the best that you succeed. We were told not to make "resolutions" this year, but decisions. And you have made a great decision to do without and get yourself back on track.

Hope you are healing from your illness.

ilovemk76 · 01-06-2013, 12:55 PM

Quote:

Originally Posted by njcarita

Going to attempt to NOT use my credit cards this month... at all.... was debt free and now cause of illness I am NOT anymore........... so really attempting to pay some of these cards off with in the next few years............... so my goal this month is to under NO circumstance do i use the credit card............. so i start today and see if i can make it thru this month....................

Good luck!

charming23 · 01-06-2013, 06:38 PM

I have not used a credit card in 5 years. It was hard at forst but totally doable. I was deep in debt and by the end of this year I will be credit card debt free.

Good luck!!!!! You can do it!!

njcarita · 01-06-2013, 07:12 PM

thanks everyone............ day 1 done........

nunzia · 01-07-2013, 07:50 AM

Best of luck!

espana94 · 01-07-2013, 08:14 AM

Quote:

Originally Posted by njcarita

Going to attempt to NOT use my credit cards this month... at all.... was debt free and now cause of illness I am NOT anymore........... so really attempting to pay some of these cards off with in the next few years............... so my goal this month is to under NO circumstance do i use the credit card............. so i start today and see if i can make it thru this month....................

Joining you on this quest...My goal this year is to to kick my credit card habit and become a "cash only" family. I am taking it one step at a time...If I can make it through this month without using the cards, I will be off to a good start.

Good Luck to you!

TiggerKez · 01-07-2013, 10:07 AM

Good Luck !!

HippieChickadee · 01-07-2013, 10:08 AM

good luck. If you can do it for a month, try for a second! Don't stop!

njcarita · 01-07-2013, 10:11 AM

Quote:

Originally Posted by espana94

Joining you on this quest...My goal this year is to to kick my credit card habit and become a "cash only" family. I am taking it one step at a time...If I can make it through this month without using the cards, I will be off to a good start.

Good Luck to you!

oh goody.......2 of us............ i just ran out to get dog food and a few things ta grocery store... kept to list and actually used a coupon...... i am hoping to start using them more............ and i paid my groceries with loose change i found around the house ... a little over $21......... luv the self check outs.......

njcarita · 01-07-2013, 10:14 AM

Quote:

Originally Posted by HippieChickadee

good luck. If you can do it for a month, try for a second! Don't stop!

well thats the plan........... but i need to take it one step at a time........ if i can make it to Feb it will be nothign short of miraculous... i was going to pick up my scripts but I am sending hubby instead........ i realized that cvs was having the 75-90% sale and i dont think i would not make it out of that store without a $5 toaster or Lord only knows what.......... so I am not setting foot in a store unless its necessary and its armed with list and coupons........of gift card

HippieChickadee · 01-07-2013, 10:16 AM

Quote:

Originally Posted by njcarita

well thats the plan........... but i need to take it one step at a time........ if i can make it to Feb it will be nothign short of miraculous... i was going to pick up my scripts but I am sending hubby instead........ i realized that cvs was having the 75-90% sale and i dont think i would not make it out of that store without a $5 toaster or Lord only knows what.......... so I am not setting foot in a store unless its necessary and its armed with list and coupons........of gift card

haha

That's the first step!! KNOWING YOUR WEAKNESS!!! Don't tempt yourself at first. After you succeed (you will!) not using it for the first month, then you will be better about not letting yourself be tempted because you will be stronger and feel accomplished.

njcarita · 01-07-2013, 10:24 AM

Quote:

Originally Posted by HippieChickadee

haha

That's the first step!! KNOWING YOUR WEAKNESS!!! Don't tempt yourself at first. After you succeed (you will!) not using it for the first month, then you will be better about not letting yourself be tempted because you will be stronger and feel accomplished.

i know its hard when u are usto being able to work and spend.......... 2 years no income for me has been rough........... but looking at some part time job possibilites..... so i see HOPE............ but want to use whatever money i make while i can to pay down debt.......so really attempting to cut as much as i can right now and really really really attempt to live off of hubbys income instead of reaching for cc everytime we ' need' something......... thankfully i have 3 kids that understand and dont complain .........

HippieChickadee · 01-07-2013, 10:28 AM

Quote:

Originally Posted by njcarita

i know its hard when u are usto being able to work and spend.......... 2 years no income for me has been rough........... but looking at some part time job possibilites..... so i see HOPE............ but want to use whatever money i make while i can to pay down debt.......so really attempting to cut as much as i can right now and really really really attempt to live off of hubbys income instead of reaching for cc everytime we ' need' something......... thankfully i have 3 kids that understand and dont complain .........

Good kids! Many today would be more concerned about their lack of uggs or iPads. You are blessed.

Truly, good luck. Keep motivated. Write out your goals. Hang it up. It's easy to give in after the motivation high passes. Don't go anywhere that will tempt you. Make small goals.

njcarita · 01-08-2013, 08:12 AM

well made it 2 days............... now day 3............. husband is home today from work,,,,,,, this will be interesting........... so I am making us a nice lunch( tortilla soup)....setting the table...so we can act like we are out at a restaurant...lol...... and I am cutting out some coupons to get my .59c a box special k cereals.......... tomorrow i have a 2hr interview with a at home call center......for possible part time work with some benefits........ right now we have been paying our health insurance for 16 years ourselves .....we are up to 1300/month and its killing us.....so keeping fingers crossed............... but keeping my goals small right now..... make it a month without using a darn credit card

01-06-2013, 10:46 AM	#1
njcarita BL II - Red Team If a cow laughed, would milk come out her nose? the name DANNY TERRIO pooped into my head I swear I am full of useless information... Join Date: Jul 2003 Posts: 1,943	NO credit card month........ Going to attempt to NOT use my credit cards this month... at all.... was debt free and now cause of illness I am NOT anymore........... so really attempting to pay some of these cards off with in the next few years............... so my goal this month is to under NO circumstance do i use the credit card............. so i start today and see if i can make it thru this month.................... __________________ POR 10/10, P0P 11/08 ,POP /Bahama Bay Resort 12/06-1/07, all star movies 11/05 , pop 12/04 , cbr 2/04 ,dolphin 4/03, all star music 11/02 & 9/98, off site on honeymoon 7/88 before 1988 didn't keep track- must have been over 20 times to disney- went every year with family Here we go again!!!! starting weight Jan 1 2013 194.8lbs Height 5'8" BMI 29.6 Mar 1 2013 189 BMI 28.7 April 24 2013 187 BMI 28.4 Goal 150

01-06-2013, 11:13 AM	#2
MOpGrad2013 Mouseketeer Join Date: Dec 2012 Location: Kentucky Posts: 108	Wishing you the best that you succeed. We were told not to make "resolutions" this year, but decisions. And you have made a great decision to do without and get yourself back on track. Hope you are healing from your illness. __________________

01-06-2013, 06:38 PM	#4
charming23 DIS Veteran Join Date: Jul 2009 Location: Cleveland, OH Posts: 5,881	I have not used a credit card in 5 years. It was hard at forst but totally doable. I was deep in debt and by the end of this year I will be credit card debt free. Good luck!!!!! You can do it!! __________________ Me (Elizabeth) DM (Sue) Cleo Caly Forget Edward Cullen, Adam Lambert Dazzles me.

01-06-2013, 07:12 PM	#5
njcarita BL II - Red Team If a cow laughed, would milk come out her nose? the name DANNY TERRIO pooped into my head I swear I am full of useless information... Join Date: Jul 2003 Posts: 1,943	thanks everyone............ day 1 done........ __________________ POR 10/10, P0P 11/08 ,POP /Bahama Bay Resort 12/06-1/07, all star movies 11/05 , pop 12/04 , cbr 2/04 ,dolphin 4/03, all star music 11/02 & 9/98, off site on honeymoon 7/88 before 1988 didn't keep track- must have been over 20 times to disney- went every year with family Here we go again!!!! starting weight Jan 1 2013 194.8lbs Height 5'8" BMI 29.6 Mar 1 2013 189 BMI 28.7 April 24 2013 187 BMI 28.4 Goal 150

01-07-2013, 07:50 AM	#6
nunzia You can't top pigs with pigs, but you CAN top Toys with Toys Join Date: Oct 2007 Location: New Mexico Posts: 7,059	Best of luck! __________________

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01-07-2013, 10:07 AM	#8
TiggerKez Earning My Ears Join Date: Nov 2009 Posts: 11	Good Luck !!

01-07-2013, 10:08 AM	#9
HippieChickadee Mouseketeer Join Date: Oct 2012 Posts: 237	good luck. If you can do it for a month, try for a second! Don't stop!

01-08-2013, 08:12 AM	#15
njcarita BL II - Red Team If a cow laughed, would milk come out her nose? the name DANNY TERRIO pooped into my head I swear I am full of useless information... Join Date: Jul 2003 Posts: 1,943	well made it 2 days............... now day 3............. husband is home today from work,,,,,,, this will be interesting........... so I am making us a nice lunch( tortilla soup)....setting the table...so we can act like we are out at a restaurant...lol...... and I am cutting out some coupons to get my .59c a box special k cereals.......... tomorrow i have a 2hr interview with a at home call center......for possible part time work with some benefits........ right now we have been paying our health insurance for 16 years ourselves .....we are up to 1300/month and its killing us.....so keeping fingers crossed............... but keeping my goals small right now..... make it a month without using a darn credit card __________________ POR 10/10, P0P 11/08 ,POP /Bahama Bay Resort 12/06-1/07, all star movies 11/05 , pop 12/04 , cbr 2/04 ,dolphin 4/03, all star music 11/02 & 9/98, off site on honeymoon 7/88 before 1988 didn't keep track- must have been over 20 times to disney- went every year with family Here we go again!!!! starting weight Jan 1 2013 194.8lbs Height 5'8" BMI 29.6 Mar 1 2013 189 BMI 28.7 April 24 2013 187 BMI 28.4 Goal 150

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