Reply to Help - I rack up such a high balance on my credit card every month

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[quote=Anonymous]OP- I think you're awesome! You don't have a real, serious spending problem but you see yourself flirting with one. You want to be responsible and develop the good habits that lay a foundation for your life. That is really great and you should be proud. 
1) If you must go to Target take cash out of the wall or use what's in your wallet. No CCs allowed. That place will bleed you dry in a hurry. In fact, think about what you are going in for and try to figure out another place to get it. Grocery store? Drug store? Clothing store? That cuts out the impulse spending.
2) Stick your card in your freezer-- physically or metaphorically. Don't do that thing where people freeze it in a block of ice, because that is stupid. What I mean is put it where it is never accessible on a whim. You might be disciplined enough to have it in a drawer or maybe even in a separate pouch in your handbag. Just do whatever it takes to break the urge to be impulsive.

I might have more tips but my youngest is flooding the bathroom right now so I must RUN.[/quote]

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