Anonymous wrote:I don't understand this at all, but whatever works for you. If you don't spend more than you can afford, you will always be fine whether you pay in cash or use credit cards for everything.

This was my problem...this is basically the only way I am trying to fix it. CASH ONLY!

Anonymous wrote:What is your income, OP? How old are you? Do you have student loans? Are you saving for retirement?

$68.6K, 39, Yes and Yes (Not Enough)

What is your income, OP? How old are you? Do you have student loans? Are you saving for retirement?

Anonymous wrote:

Anonymous wrote:I don't understand this at all, but whatever works for you. If you don't spend more than you can afford, you will always be fine whether you pay in cash or use credit cards for everything.

This. I swear I read the post three times and just didn't understand it. Thought I was the only one though.

I'm pretty OP has stopped overspending on credit cards and switched to a cash-based system, which he or she is using to successfully pay down the debt. If that's the right interpretation, congrats OP, and good luck keeping your momentum going.

Anonymous wrote:I don't understand this at all, but whatever works for you. If you don't spend more than you can afford, you will always be fine whether you pay in cash or use credit cards for everything.

This. I swear I read the post three times and just didn't understand it. Thought I was the only one though.

I don't understand this at all, but whatever works for you. If you don't spend more than you can afford, you will always be fine whether you pay in cash or use credit cards for everything.

I have some weird problem using cash. It is like I want to hold onto it. So I end up buy everything on a credit card...which of course wouldn't be a problem if I could pay off what I purchased, but I can't...so I end up carrying a balance.

This year I have been working on using CASH only so that I can actually feel like I have $...meaning I don't take my whole check and pay the credit card. I leave $200 in my account and use the rest to pay down the card. I actually have started to feel like I earn a good amount of $ rather than always feeling broke. I have $100 cash in my wallet and $150 in my account, and I just paid down my cards by $600 (In One Check). I have cut back on eating out at restaurants other than a bite at subway or chipotle...no more cheesecake factory weekly!

This still is a work in progress, but I want to keep this momentum going this year. I can probably pay off the cards by May if not sooner since I only owe $5K. So what if I didn't owe that $600...I just wonder how much money I will actually have to save.