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Money and Finances
Reply to "Financially irresponsible and don't know how to change"
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[quote=Anonymous]I agree with the cash only approach. When DH and I had -- believe it -- over $40k in credit card debt, I was beginning to lose sleep and knew it would be impossible to pay it off unless we did something drastic. I ended up taking some cash from a large insurance policy to pay it off completely. Now I only use credit cards to buy very small purchases like gas and similar purchases. With the cash, it forces you to pay attention to what you are buying and spending. I realized a lot of the spending I did was mindless and needless. I may not have the latest clothes but that's ok, I have little credit card debt and a healthy amount in savings. If you can get a family loan, pay the debt off and start saving and paying cash for purchases as much as possible. I know it's hard but I am trying to stick with the program. I sleep better at night. Good luck![/quote]
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