Closed 8 credit cards within half a year

I told you before that I was a payroll man. I opened a credit card from the beginning of work. At that time, the salary was low. The limit would not be a lot, but they had to apply for anything, so I didn't care about anyone. There were almost 10 real credit cards. Our credit card behavior was to buy "fresh swipe" and intend to pay at the end of the month. During the month, I go to swipe again and do like this, so it keeps pouring the tail of the pig. Eat anything, buy anything. Any card with a pro is swiped. It turns out that 8 cards are full of almost every card. Importantly, I never use any credit card. Whether it's using points to redeem things, never.

But last year, we had a consultation with a financial adviser called Finance Planner, and he came to organize our spending lives more, and when he thought about all the debt and income, he showed it to him, and he found himself spending a lot of money on luxury purchases!

The technique is

🩵 Sort of pay.

Our Planner has already determined how much debt we have to pay, how much salary we pay, how much we pay, how much we pay, how much we pay, how much we collect, how much we eat. In the early days, shopping might have to peck our hands, but the Planner said that shopping money should be divided on the way so that it's not too stressful.

🩵 don't carry credit cards.

Very little that we carry out of the house. We will put our bags together and put them at home. Even if you find a good pro, you can't do anything. You need to spend the cash. But now we have one card with you. When you finish using it, you will transfer it to another account to pay at the end of the month.

🩵 Divide the money.

We use the Make app to divide the money to spend. Money to eat, divide the bag into the week to know how much money to spend this week. And shopping is collected separately. Our shopping money should be available. Otherwise, on the way will be too stressful and depressed. There are some months secretly taking the money to eat, shopping as well, but will eat, save, not to disturb the savings, haha.

This is probably the concert that we wrote the most. Anyone who has good techniques, shares or wants to suggest something can tell each other.

# Total debt # Credit card debt # Card debt # Money collection technique # Financial goals