Lose the credit card or at least leave it behind


I am finding myself tempted to spend more often now that I have money in the bank. With a comfortable savings account and most bills on auto-draft, my financial life feels safe right now. A very new feeling for me.

And I find myself tempted to spend money without any forethought and without a budget line item. This is especially tempting with my credit card in hand.

But I’ve also found the solution…leave the credit card behind.

I can’t take credit for figuring out that this works for me. I accidentally left my credit card at a restaurant in Atlanta the last time I had to go to the city for work. Instead of going back to get the card I ordered a new one. It took over a week for the new one to get here.

During that time, I had to really think through every purchase. Was it in my budget? Was it budgeted for now? Because every purchase was coming directly out of my cash account.

It was a really good lesson for me. Really, really good.

I’m trying to figure out how to apply this lesson for more long term affects.

I’m thinking that when I am home, most of the time, I do not carry my credit card in my wallet or purse. That will make me continue to double think any purchase. I don’t like using my debit card, in general, or accessing my cash account. It just makes me nervous. This will make me plan for purchases or at least think about them a bit longer.

Not to mention, I hate leaving my house most of the time, so having to go home to get a payment method will be a deterrent in and of itself. Can anyone else relate to that?

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