Still credit card-free and about to get into Dave Ramsey’s Total Money Makeover book.

In this post last month I wrote about how much trouble I was having going without my credit-card. I was scared.

Well, I am happy to report I’m doing okay… it’s still rough at points but getting better every week. I’m going into week 4 of not carrying my card anymore and I’m pretty certain that so far it’s already saved me a few impulse purchases! I know it may seem silly to have a rough time with this but I’ve become as dependent on it as I am on my cellphone; if I leave my house without it I turn around to go get it. I do not go anywhere without my cellphone and I behaved similarly with my credit card. The key difference here is that my cell phone is a necessary tool because I need to be reachable for work at all times and my credit card is a convenient tool to overspend and line the pockets of companies such as Visa and Mastercard. I don’t have a good enough track record  with credit cards.

J.D. Roth from Get Rich Slowly had an article in which he stated that he hasn’t carried a personal card in years but manages his business credit-card with no problems. (Can’t find the article, I’m 99% certain it was GRS!) Although it’s only been a month I seem to be similar in this, I’ve had a business credit-card since February this year and not once have I overspent or carried a balance. Granted, it hasn’t been a full year yet but I handle that card much better than I do my personal card. Perhaps this is because other people would also be affected if I overspent or misused the business card? Since I don’t have a family to take care of, my money is my money and I am the only one affected if I make a mess of it.

Picked up Dave Ramsey's Total Money Makeover 3rd edition today!

I still miss the air-miles I’ve been rapidly collecting thanks to my credit-card but my regular bank account also offers air-miles and really… a reward isn’t any good if it makes me spend more money. So, that leads me to today.

I was shopping around for Christmas presents and found Dave Ramsey’s Total Money Makeover 3rd edition at the bookstore. I was able to purchase it with a gift card that I received for my birthday last month and after receiving a 35% discount the gift card covered it all and then some. A good deal if you ask me! I’m pretty stoked about getting into it. I am familiar with Dave’s website and his ‘baby steps’ to financial freedom. I’m going to be spending the evening reading the book and hopefully learning a few things!

Hmmm, I may even dig some hot chocolate out of the cupboard for this one =)

Published by Renée

I write about my life, travel and my financial up and downs on my blog, Nickel By Nickel, while contradicting myself daily. ;)

3 thoughts on “Still credit card-free and about to get into Dave Ramsey’s Total Money Makeover book.

  1. Then what would you do ‘Eraser de’? I diasgree that my efforts are fruitless, on the contrary! My efforts are paying off big-time. I have less debt-payments, if I lose my job I have no need to worry and ultimately… I will be debt-free. Do you like making monthly debt payments and paying other people interest for money that could be in YOUR pocket? I’m not sure I understand your comment…


  2. Pingback: 2011 – The Plan, Happy New Year everyone! « Nickel By Nickel

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