I thought that I'd be freaking out when we canceled our credit cards, but it honestly wasn't that big of a deal. We had already taken them out of our wallets, and after not using your credit card for three months, you kinda get used to using cash or your debit card. The two major credit card companies tried to hook us back in, but we firmly declined.
Inside I think I'm freaking out a little. There are a million "what ifs" that run through my head. Even my parents suggested that we keep at least one card open "just in case," but we don't want to fall into that trap. When the lady on the phone asked why I was closing my account, I simply stated, "I don't want to purchase what I cannot afford." It does make sense, but I'm realizing that America runs on credit. We buy now and pay later. That's what Glenn and I did for the first 4 1/2 years of our marriage, and we've only been married a little more than 5! We've had to come into a new mentality. Save for what you want. Prioritize. Budget. We're still not that great at budgeting, but I know we'll get there. We are working on it one day at a time, and I think living here is getting just a little easier one day at a time.
you go girl! we've been married ONLY almost 5 yrs, and have never owned a credit card. its tough, and I agree there are so many what ifs. i have health issues, we have bills, sometimes we wonder how we are going to pay them, but in the long run, I am glad we do not own one. God provides :)
ReplyDeleteIt's always so encouraging to hear from others who are going through the same thing and surviving! Thanks for your encouraging words. :)
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