In an instant, you have what you want. Slide the credit card and … Voilà ! Whatever you want, as long as you have credit, all of that can be yours instantly.
Vacation to Thailand? Latest gadget? Fine fine dining on a famous rooftop ? As long as your credit card limit is large enough, you can do it. In the modern era, credit has become part of our economy. But that doesn’t have to be a part of one’s life. We can love life without a credit card. You can just love shopping and spending money, but you can hate credit cards too!
Now, people spend too much money because credit card companies make debt very easy. You end up spending more money than you wanted when the bill came at the end of the month.
Life is like seeing a mirror in the rear view mirror. When your salary comes in, you live in the past and pay for the things you have done, the movies you have watched, and the food you have eaten. Hey , that’s not a way of life! So, how can you live without a credit card?
1) Use a debit card
The starting point for changing your habits with using credit cards is to use debit cards more often. As with most credit cards, debit cards are mostly Visa or MasterCard debit networks that can be used anywhere. Costs will certainly be directly deducted from your savings account.
Uniquely, according to Brian Wansink, a scientist from Cornell University and also the author of the book ” Slim By Design ,” says that you can lose weight without actually dieting. One of them is paying with cash.
People who survive with cash will buy less food or snacks at work, especially those who are surrounded by a choice of restaurants and coffee shops every day. Usually, they will give in to temptation and eventually choose to eat unhealthy food by swiping a credit card.
2) Use cash
Life without a credit card does not mean you are anti-technology or anti-modernity. But, know, paying for something using cash makes you realize that you really are spending money.
Even if you use the application to track all your purchases, it doesn’t change the fact that swiping a card is easy. The reason is, every purchase that is not planned feels like no big deal when you swipe a credit card.
Also Read: Smart Tips for Using a Credit Card While on Vacation
If you are serious about not using credit cards anymore, try to keep all of them out of your eyes, at least when you want to make a direct purchase. Some people who have credit cards will put the card at home when they travel.
Put money in your wallet according to your expenses per week. That way, you will get used to seeing how much money you really spend from your wallet. At the end of the week, you will realize whether there is still left or not at all.
3) Create a separate bank account for online transactions
Indeed, the use of credit cards makes it easy for you to do online shopping, especially when you are chasing a deal or flash sale . However, you can still do it anyway with a debit card.
Also Read: Avoid Paying Credit Card Debt with Minimal Payments
Therefore, when shopping online using a card, you should use a separate bank account whose balance is only filled when needed. You can also add emergency funds to the account, so you still have the desired reserves of money when you really need it. As a result, you will avoid using a credit card.
Having a card with a separate bank account will help reduce security problems that might occur when you transact online . At the very least, you limit cybercriminals from accessing all the money you have.
In addition, you will stay on your budget because you try not to have access to all the money. Because, you only have the money you set aside to shop using a card.
