Save money by dumping your credit card at home

[cherry123]

Save money by not taking your credit card into the store. You would overspend. instead go with a little cash and only buy what you want.

What do you think?

 

[Starmix]

I surrendered my credit card last year. I prefer to have cash and my ATM only because of the interest the card surcharges.

 

[Shavkat]

I never had a credit card. I had seen the bad impact of it when my friend overspend before. The sad part is that his mother was the one paying it. What a shame.

 

[cherry123]

I never had a credit card. I had seen the bad impact of it when my friend overspend before. The sad part is that his mother was the one paying it. What a shame.

This is the effects of having your credit card with you, you might overspend. So having cash is better.

 

[Springtime]

Actually, I save by using my credit card because I can get cashback. I never overspend and I always pay the outstanding on time so that I don't need to pay any interest.

 

[misha]

Dont buy credit card at all if you control your expenditure than only buy otherwise its really a headache

 

[riberet19]

It happens to me that when I pay in cash I am more aware of the money I am spending, with the card I am not as aware

 

[Starmix]

I never had a credit card. I had seen the bad impact of it when my friend overspend before. The sad part is that his mother was the one paying it. What a shame.

I surrendered my credit card. I'm tempted to shop any time so I pay big monthly. Then withdraw cash from it with high charge so I surrendered it.

 

[nomad]

If you know how to use your credit card, you can actually save money

 

[uptrendfinancialsignal]

When you drop your credit cards at home, you are saving certain amount of money simply because you wouldn't spend on frivolities.

 

[Yohanna]

It is a very good budgeting idea because when you are not with your credit card, you cannot continue to spend lavishly.

 

[uptrendfinancialsignal]

It is a very good budgeting idea because when you are not with your credit card, you cannot continue to spend lavishly.

It is a very good idea if you want to embark on proper budgeting and I'm in support of it.

 

[Heatman]

I surrendered my credit card last year. I prefer to have cash and my ATM only because of the interest the card surcharges.

I'm very careful with using my credit card. I don't use it very often in all that I want to pay for. This is because I want my credit score to be high.

 

[Etini Willie]

We don't even have credit cards in my country but I heard it is the easiest way for Americans to fall into debt. That's because they pay for everything on credit through their credit cards.

 

[Chibson]

It is only people who are not financially disciplined that will do that. But when you are financially disciplined you will not overspend even when you are with your credit card.

 

[relcap23]

Save money by not taking your credit card into the store. You would overspend. instead go with a little cash and only buy what you want.

What do you think?

As long as you treat it with control. I use my credit card as reserve fund. I also use my credit card on necessary expenses.

 

[cherry123]

it is not always easy not to overspend. people who are not financially disciplined finds it difficult to stop spending. one that will overspend don't need beingb with a credit card.

 

[eldavis]

The truth of the matter is no matter what you do, if you lack self control, then it would be pretty useless. Cause even when you go out without your credit or debit card, you can also make transfers with your phones.

 

[cherry123]

You are right on this one it is not about having a card it is about having self control. if you lack self control, then it would be nothing then

 

[Chibson]

You need some level of discipline to control your spending. But if you know you do not trust yourself when it comes to spending then you can take this option.