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

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[quote=Anonymous][quote=Anonymous]
I started pulling out a huge (for me) amount of money each month in an effort to halt the even larger cc bills. Yes, it hurts every time I have to break a $20 bill to make a purchase throughout the month, but it sensitizes me to the spending. I have a LOT of points accumulated on my card, so I don't mind using it. But, when I need to pull back, I switch to cash.

Uber is my weakness. Those bills bite me each month. I tell myself it's better than owning a car. I suspect it's just a lie I tell myself though. If Target is your weakness, you best stay away unless you have a list in hand and are purposeful in your visit. I used to take the kids and just wander around Target. The spending was RIDICULOUS. "Oh, what cute sheets! What an adorable set of dishes..." Stoopid. So, I stopped. I don't know what they pump into the air at Target, but it's intoxicating! I knew it was bad when everyone in a red shirt knew me (and the children) by name!

Good luck getting this under control. Financial spring cleaning is an awesome way to start the season.
[/quote]

OP here, thank you!! good advice. ugh yes target is addicting. USUALLY i'm great and only buy necessities..but some stuff like home decor I can't pass up..[/quote]

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