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Money and Finances
Reply to "Help - I rack up such a high balance on my credit card every month"
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[quote=Anonymous]Get an envelope and put the CC in that envelope. Don't carry it with you all the time (too easy to slip and use). Whenever you take it out, write the date down, when you get home, put the card back in the envelope and write the amount you spent next to the date. Look at the amount you've spent this current month every time you take the card out, so you know before you use it how much you've spent this month. At the end of the month (or the first time you use it in a month), just put a line under the last entry all the way across so you can visually see also how many times you've used it this month. If you make yourself aware when you take the card out of the envelope (e.g. before you use it) how much you've already spent that month and how many times you've taken it out of the envelope, it can help you be more self-aware of how much you are spending and you have to knowingly push yourself beyond whatever limit you set yourself for a month by tracking it.[/quote]
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