I bet that title got your attention, right? You are probably wondering what kind of plastic surgery Joey got, huh?
Actually, it was my credit cards that got the plastic surgery.
Let me tell you that it was really hard to cut them. It was not as easy as I thought it would be. Hubby had a fun time cutting his up.
I called and closed the ones that did not have a balance on them and asked them to send me a letter that the account was indeed closed. Some of those were easy to cut up since I had not used them in over a year.
I have already finished reading Dave Ramsey “Total Money Makeover” and “Financial Peace” and I encourage you to start off with those if you want to REALLY get a hold of your finances in becoming debt free.
I am the one at fault for letting the credit cards get out of hand. In each family, there is the saver (my hubby) and there is the spender (me). I did not buy outrageous big ticketed items. I just used my credit cards for food, groceries, gas, books, and all I did was pay the minimum. MY FAULT!!
I would open up new credit card and transfer my amount over for 0% transfer balance and pay a either a $5 fee or a 3% fee up to $75. I thought I had a handle on my credit cards and not the other way around. I’ve come to the conclusion that we don’t need CREDIT CARDS!
I DON’T NEED CREDIT CARDS.
Growing up, my mom paid CASH for EVERYTHING or put things on layaway and paid a small deposit until it was paid in full. That’s how they paid for Christmas was putting our toys on layaway.
I’m praying with the help of hubby and his support that I can get this under control and help payoff the debt that I did to my family. We have 7 credit cards and I just paid off Walmart yesterday.
Let me know if you would find it an encouragement if I wrote what we are doing in becoming debt free! I would love to read your comments. Please leave them. I read each and every one of them.