Reply to Don't want to pay off Credit Card

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[quote=Anonymous]Capital Area Asset Builders has some good free classes on money management--give them a try! http://www.caab.org/en/programs/financial-education

Agree with the others: cut up the credit cards--they are not working for you. Even if they make sense for other people, you cannot have them around (I can't have crackers around because I eat them all. My coworker is an alcoholic in recovery and he doesn't go to bars. You have to avoid the things that are bad for you if you can't control yourself with them).

There are other options for emergency funds, like CDs, opening a savings account and direct depositing some of the money from each paycheck into it but not getting a debit card from it (so you would literally have to go there to take money out), or buying savings bonds that you lock in a safe deposit box at a bank. If you feel like you need to have a little bit of money in your house in case of dire emergency, buy a visa gift card and stick it in a baggie and then put that in a tupperware of water in your freezer.[/quote]

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