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  1. #1
    RM Ticked Off!
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    Default cutting up the credit cards tomorrow...

    for a long time, i've been saying that i'm going to stop my uncontrollable spending (yes, for the short amount of time i've been on tBF, you gals have probably figured out that i have a problem ). i've tried "everything" ranging from taking my cards out of my wallet to giving them to my bf to keep in HIS wallet. unfortunately, i have almost all of my credit card numbers memorized. not on purpose, but just because i use them so gosh dang much online!!!

    so, i decided to take a bigger step by actually physically cutting them up tomorrow. that way, i can't reach for my card to try to verify the number to use it online. and that way, when i'm out, i'll think twice about spending $300 at Tar-jay on "ALL THOSE GREAT DEALS".

    anyway, i'm going to start my own debt-reduction blog soon. it's in the works. but i'm not quite ready to reveal just how in debt i am. it truly is sad.

    that being said... i don't know if i'm ready to start the liquidation of my assets (read: unnecessary handbag purchases) quite yet. i think that might be the next step, but for now, i have to enjoy my newfound goodies, especially that Night / Dark Spot Mattie that i have coming from HauteLook in the next few weeks.

    i'll still come on here but be a spectator and chime in... just no more shopping!
    Wishlist: get out of debt

    so totally :banned2:


  2. #2
    I am now LVholicmum juicyholicmum's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    ooohhhh goodluck with your decision this1chick... I know how you feel as I'm on the low with cash right now too and in debt as well... But its really not just my fault, my DH gambles so that's why were always in trouble.... It always works out though but I would love to be out of debt too....

  3. #3
    Moderator/Blogger VivaLaJuicy's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    Good luck on your decision... it's for the best...

  4. #4
    Official Bagista Jiezell's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    Good luck! It's good that you decided to make that decision sooner than later. Credit cards are bad little things. Once you start using them you can't stop, they can cause so much damage. That's really good that you decided to cut them up and throw them away.

  5. #5
    \(^.^)/ Jennifer's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    this1chick, good luck on your decision. We are here for you, and support your shopping ban You just have to cut them up then work on a pay-off plan.

    Good Luck


    ps. congrats on your new Mattie purse!!!!!

  6. #6
    Totally Purse Obsessed
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    Default Re: cutting up the credit cards tomorrow...

    Good on you. I hope it all goes well, and stay strong.

  7. #7
    ♥ Moderator ♥ Zombiegirl's Avatar
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    Thumbs up Re: cutting up the credit cards tomorrow...

    Congratulations on your decision to cut up the cards!!

    We are all here for you and will support your excellent choice! When you feel weak just post in this thread and we will help talk you out of an impulse! Maybe you could sell some of your bags to help pay off your CC's?
    That is one of the main reasons I don't charge bags...I don't think I could stop. I have a fellow TBFer that I go to for support all of the time!
    W I S H ♥ L I S T
    Loving my collection!

  8. #8
    KAY lambdalady2's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    Chick, good luck!!!!! I know how much those shopping impulses hurt!!
    A blog is a great way for you to express your feelings and keep you on your toes!!
    Ive never own any credit cards because I know how easy things add up, I think they are evil, lol.
    Count down to...love
    :The_bag_forum:

  9. #9
    Coach Addict serendipity's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    Good luck with getting out of debt. I was in that same position a few years ago too. I have since dug myself out of debt. Instead of a credit card I now use a debit card that is attached to my checking account. It adds a little more accountability. I now have to be more careful about bouncing checks. You can do this and I think writing a blog will definitely help you out as well.

    Done...I think...Until I find something that catches my eye

  10. #10
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    Good luck! I remember when I cut up all my cards, it was really hard. Sometimes it's hard to stop until you reach rock bottom, so I'm glad you're trying to get things under control before things get way out of hand. Come talk to us if you're in need of a pep talk! We're hear for ya!

  11. #11
    RM Ticked Off!
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    Default Re: cutting up the credit cards tomorrow...

    thank you all so much girls!

    i've already had a temptation that i'm trying to resist... Rebecca Minkoff is coming out with a MAM in an Eggshell / Brown Croc combo and i want it soooooooo bad! damn that RM addiction! to think a couple months ago i didn't even know who Rebecca Minkoff was!?

    i just woke up a bit ago and took my son to daycare so i haven't cut up the cards yet.

    *deep breath*
    Wishlist: get out of debt

    so totally :banned2:


  12. #12
    ♥ Moderator ♥ Zombiegirl's Avatar
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    Thumbs up Re: cutting up the credit cards tomorrow...

    CUT, CUT, CUT!!

    :hug:
    Cut the cards, don't be "Emo" and cut yourself! LOL!
    W I S H ♥ L I S T
    Loving my collection!

  13. #13
    Official Bagista gizmo's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    Hi this1chick! Too bad you have to cut the cards rather than not use them except in case of true emergency. But I understand it's more definite this way. You'll be OK. You don't need all this stuff--really, it's just stuff. Heath, joy and peace of mind--that's way more valuable in my book. Good luck!
    [SIGPIC][/SIGPIC]

  14. #14
    Karen linvline's Avatar
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    Default Re: cutting up the credit cards tomorrow...


    BRAVO this1chick, congratulations on your decision
    you may try any non-profit credit counselor to liquidate your debt, they might able to lower the debt you have and the interest as well.

    my friend used Consumer Credit Counseling and Debt Consolidation
    her debt was almost 10k but she just had to pay less then 200 a month, for 5 yrs and she is debt free now.

    give it a try if they offer you good benefit to clear your debt.

  15. #15
    *The TBF Elite* Maeveyblue's Avatar
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    Default Re: cutting up the credit cards tomorrow...

    Good luck! I know how hard it is to stick to your guns.
    Thinking of...
    Chanel Black Jumbo
    LV Artsy MM
    Holy Grail: Chanel 06 Bleu Fonce Jumbo


    In the middle of every difficulty lies opportunity."
    ~Einstein~

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