Credit Cards and My New Favorite Book

I went over my budget recently and realized that food is my weakness.

I’m not exactly buying fancy, Whole Foods groceries here. It’s the little, insidious things that really start to add up. I’ll tell my friends no when they ask about dinner or drinks…then I usually cave about half the time. And spend what my mind has already decided I won’t spend.

Why is it so easy? Plastics make it possible.

I keep my credit card purchases within a payable range, I pay mine off every month. I know I’m very lucky that I can do that, but I realize I’m also borrowing against the freedom of my future for instant gratification.

So I cut up my credit card.

Well, I stuck it through the shredder at work. And I’m not calling for a replacement until I need to buy a plane ticket home for Christmas.

I really thought it would be freeing. It is. It is also scary as hell. Credit cards are a great security blanket. “Just in case things are a bit more expensive.” “Just in case we go a little wild.” “Just in case I find something I like.” That ‘Just In Case’ security blanket is slowly draining my wallet….and perversely I’m often thankful for that!

I’m tired of making a budget and not sticking to it. I’m tired of living in fear of going out. When I go out, I have what is in my bank account or cash. This works for me because the day my paycheck arrives in my account I pay any bill that will be due before the next paycheck. I do this IMMEDIATELY.

So how am I enjoying my frightening financial freedom? I’m walking more, playing Ingress. I’m reading many free library books.

I wait to pronounce judgement on a book until after I’ve read it. Then I am offering a fully informed position. Not this book!

I’m currently reading Barbara Kingsolver’s book Animal, Vegetable, Miracle and I am inspired. I have actually laughed out loud several times. Each time I pick up this book I can’t decide if I want to homestead or just make one of her incredible recipes (if it’s in season).

I love gardening even though I’m not good at it yet. I love being outdoors more than the bugs who feast upon me. I may ask for this for Christmas so I can stay inspired year round.

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One thought on “Credit Cards and My New Favorite Book

  1. Kudos! I went all 90’s sitcom and stuck my credit cards into some water, which I then promptly put in the freezer. You’re right: not having the credit crutch is terrifying. Then again, so is the idea of constantly having to pay interest.

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