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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'm in the same boat, OP. I have learned that it really helps to add up ALL your cc debt each month and make sure that it is going downward! this has been eye-opening to me. I thought we were making some headway since we pay quite a bit toward cc debt each month, but it was still going up! We use cash whenever we can, but still use credit for online purchases and automatic payments such as kids' activities and gym. Those purchases alone were more than we were paying off each month. We have since dropped some of those auto payments, such as our gym membership. This Christmas season, I'm trying to keep the online spending to a minimum even if that means paying a few dollars more to buy in stores. Good luck OP![/quote]
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