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Reply to "Anyone just not use credit cards at all? "
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[quote=Anonymous]I just don’t see how a debit card solves your problem. Won’t you still overspend and then when you get to the end of the month, you won’t have the money to pay for necessities? I think a more disciplined budget makes more sense. And to really not count on any commission before you have it. It also makes it sound like you have no backup emergency funds, which is terrible. You need to go on a total spending diet for a period of some months—bare necessities only—and get to the point that you are not ahead of your earning.[/quote]
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