...cut the bitch up!!! Don't' get me wrong.....I did not have a love affair with my Macy*s card. The interest rate is really high, the deals weren't all that great. However, taking this step will make it easier for me to walk past that store, or even into that store, and say "I want that and I'll just put it on my Macy*s card!" One of my last purchases with this card is actually one of the tools helping me to better my financial picture. It's a front pocket wallet. This wallet clips CASH on the outside and only holds about 6 cards. Yes, a couple of those cards are evil credit cards, but not as evil as you may think. One of them is linked to my flexible spending account and can only be used toward eligible purchases and comes from TAX FREE money that I am saving. Two are debit cards....fairly harmless because I have enough self control to not overdraw my two checking accounts. A travel credit card issued to me by the federal government is in my wallet for the rare instances I may have to buy a plane ticket or book a hotel room or rental car on official US Postal Service business. My only true CREDIT card in my wallet now is my Kroger card which by virtue of having the card combined with my spending at the grocery store, allows me to save $0.15 per gallon of gasoline off the regular pump prices. I don't pay for the gasoline with my Kroger card...the debit card gets swiped for that. I'm quite proud of myself right now and my journey is only beginning. I've yet to put together a budget, but I have started an emergency savings account that will pay for things that would have been paid for in the past by a credit card. I'm thinking I may make a collage of cut up credit cards....when and if I do, I'll post a picture of it.
Wish me luck, and pat me on the back the next time you see me!!!
