Toggle navigation
Toggle navigation
Home
DCUM Forums
Nanny Forums
Events
About DCUM
Advertising
Search
Recent Topics
Hottest Topics
FAQs and Guidelines
Privacy Policy
Your current identity is: Anonymous
Login
Preview
Subject:
Forum Index
»
Money and Finances
Reply to "I tend to overspend when I use credit cards but I’m scared to use a debit card because I feel like "
Subject:
Emoticons
More smilies
Text Color:
Default
Dark Red
Red
Orange
Brown
Yellow
Green
Olive
Cyan
Blue
Dark Blue
Violet
White
Black
Font:
Very Small
Small
Normal
Big
Giant
Close Marks
[quote=Anonymous]Do not use a Debit card. Your fears are very valid. If you want to curb overspending and pay off your CC debt - Have a budget for each category of spending. Split it further for daily/weekly/monthly spending. - Maintain a spreadsheet where you log every spending DAILY. And also keep track of then how on track you are for your daily/weekly/monthly spending. Subtract your spending from the money you have in the bank on the spreadsheet. - If you get your salary every two weeks, you need to split your bills payment also in the two cycles (you may need to talk to the merchants to make it happen). Then pay your bills first the moment your salary hits your account. When you pay off your bills as soon as you get your salary, you are never fooled into thinking that you have more money than you have. The amount reduces as the payments are made and you have a very good idea of where you stand. [/quote]
Options
Disable HTML in this message
Disable BB Code in this message
Disable smilies in this message
Review message
Search
Recent Topics
Hottest Topics
