Use your credit card for fix payment


I keep the track record of my credit card billing and I can see that when I use to buy or pay for something it become far more bigger than I actually imagine. I think it because I don't take note every time I use it. So I decided to make some note every time I used it. But then I realize again that taking note not make a big different and also sometime/often I forgot to take note :p

So now I decided to use my credit card only for fix monthly payment like insurance. And sometime I left my credit card at home, it's more safe for me, because I become more aware that I only can use my cash or my debit card.

I feel it's like a training for self control, because we all have weakness, something that we can't/having difficulty to say no or worst do without thinking first. For me it's a book, when I just plan to buy a book, at the end I will buy 5 other books! That's why now I train myself not to always buy books, I can read e-book or listen to audio book. Some other ladies may have similar experience with clothes, bag, shoes and accessories, right? So we need to be smarter than our self ;)

Credit card is a payment tool, we need to have/prepare the money to pay for it. And I think it's not fair for 'next month' to be responsible for what 'this month' is doing. Do you agree? How about you? You can share your experience using your credit card.

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