Many of us have certainly felt how easy and the benefits provided by credit cards, but there are also those of us who have felt or even are entangled in financial affairs caused by credit cards. Certainly will be inversely reversed with the initial desire to be able to have a credit card. After getting into trouble then we will think about how to get out of the credit card.
Not easy to get out of the trap of this magic card. Besides we have to finish and ensure that administrative matters are finished and there are no problems. The level of our need for the card will usually not be easy to disappear. Therefore, before deciding to have a credit card we should first consider whether we really need a credit card or not. If not then cancel your intention.
As if it has magical power and its own charm, a credit card will be an object that is hard to leave. Especially if we are addicted to using credit cards. It will be increasingly difficult for us to let go of its snares. To escape from the bondage of course we must try and do it gradually. There are stages that are felt to be very suitable for you who want to be separated from the credit card trap.
Try to limit use with a credit card. Try to change our mindset that everything cannot be bought with a credit card. That way we will try to better control spending by using a credit card. This method is expected so that we can gradually reduce and eventually eliminate them. This method will make us more careful to use a credit card.
Don’t Use More Than Two Cards
The second way is to choose one of our most profitable credit cards and try to start using just one credit card. This method applies to those of us who have two or more credit cards. Try maximizing one card only. So that we will slowly eliminate our addictions to credit cards.
It’s something very hard to leave our credit cards at home, whereas we already have the habit of using a credit card. But it must try to fight and self-discipline so that we can use the maximum credit card that we have.
Expand to Use Cash or Debit Cards
In addition to leaving the card at home, the following methods can also be calculated so that we can escape from the bondage of a credit card. Namely by using a debit card or carrying cash. Although physically and the same method of payment, this debit card has a different system than a credit card.
If a credit card is a loan that will be given by a card issuing bank, while a debit is a card that will only issue money in accordance with the funds we deposit at the card issuing bank. So that we will be able to buy something if we have sufficient card funds.
With the different systems of credit and debit cards, this method will be able to make us a little eliminate our sense of dependency in using credit cards. And already started going to try to count and count the funds we have.
Make a Budget
The next way is to make a budget. This budget will help us to find out our purchasing power and reduce purchases of less important needs. So if we still use a credit card, we will also be smart buyers because we know which needs to be purchased according to the budget we have set. This method can also make us more focused and can allocate funds to save more. Because we can save less important expenses in each month.
Use a Credit Card According to Your Needs and Financial Capabilities
Credit cards are not drugs or psychotropic drugs that can cause biological and psychological addictions. But a credit card is a payment tool that makes it easy for us. With a strong will and determination to change, of course we are sure we will be able to escape from the bondage and maybe even be able to treat credit cards more wisely.