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Reply to "Anyone just not use credit cards at all? "
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[quote=Anonymous]Dave Ramsey method is for people who can't control spending. Cut up the cards, make a monthly budget in cash. Autopay utility bills from bank account. Manual and Automatic regular transfers from checking to locked up investments like CDs and bonds. Uninstall financial apps that help you withfraw. Make it hard to get your hands in your money/credit. OP has a self-control problem. Telling her to have more self-control doesn't help. She knows. [/quote]
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