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Money and Finances
Reply to "Financially irresponsible and don't know how to change"
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[quote=Anonymous]Definitely the "cash economy," as my friends and I called it. It really hits home when you have to pay cash for a pizza versus using the debit card. Part of what worked for me was to save a little bit from every check for true emergencies, like car repairs. I started with $25 every check automatically put into savings. The idea was to save for an emergency versus throwing up my hands and getting out the credit card. Once that fund got to $500, I would put the extra toward my cards. Try to chart your cc debt--for me it was very motivating to see how it was going down month to month. You can even add up all the cards and just do a running total on your wall or somewhere you can see it. Good luck. It's hard but definitely can be done. My husband and I paid off over 50K in credit cards. [/quote]
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