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

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[quote=Anonymous][quote=Anonymous]
Thank you!! [b]Yes I'm definitely a shopper and want to prevent myself from getting into serious debt[/b]. I know I like splurging and buying what I like. Probably a good idea to use only cash in target.. I think I will actually try that[/quote]

The easy thing to do is to take the credit card out of your wallet and leave it home.  Don't take it with you when you go someplace that makes you overspend like Target.  Only take it out for approved shopping trips, like to the gas station or grocery store.  For a Target trip, budget how much you are willing to spend, say you know you need to go for say $12 worth of personal items.  So you give yourself a budget to overrun, like $25 or $35 total.  Get $25 cash for your wallet, put the credit card away and then head to Target.  Pick out your personal items, and then you know that you have $13-$23 to spend on whimsical shopping.  You can get whatever you want with that extra money.  You won't have the CC or extra cash to buy more than you've budgeted.  You can take the CC to the supermarket or to the gas station to use.

Once you develop better willpower in a place like Target you can start taking your card with you all the time.[/quote]

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