Living Without A Credit Card

The shiny credit card can definitely make your life rosy and comfy, but when it comes to paying back the money you spent in galore right? Most of us go through a situation when we become best pals with our credit card and when the bill gets delivered in our mail box, we want to run and hide in a closet.

We women love to spend lavishly on clothes, shoes and the works that go off our budget list with the help of the shiny credit card. But, we do not realise the amount of trouble it puts us through when we receive the bills we need to pay up. Experts say that the only option to get rid of a credit card is to opt for a debit card. In this way, you know your expenses, and know what you purchase.

Living without a credit card can be challenging, so if you want to take up a challenge and live without a credit card, here are some of the ways which can help you to achieve it. Credit cards have become ubiquitous, and we are even starting to see merchants who are not ready to accept cash. This devilish drawback should not be the reason for you to live without your credit card. If you have strongly decided to live without a credit card, you will need to develop a number of plans to pay for everything beyond your normal and daily expenditures.

Here is how to start your journey of living without credit cards.

• Having credit cards is helpful when you run into financial emergencies like costly medical bills. It is best to have an emergency fund tucked away so that if any emergency happens, you won't be stuck without a way to pay for them.
• Keep a track of your credits. The one common thing that most of us do when we want to get rid of our credit cards is to cut them into two parts. This is one of the biggest mistakes one can ever commit. If you run out of your saved money, you can always use it in case of a 'required' emergency.
• Living without a credit card is a tough life. It becomes tough especially when you are out shopping. If you happen to see a pretty dress or that pair of boots you were longing to own, don't hesitate to turn your head away. You can always own that pair of boots or the pretty dress when you have the means.
• When you begin to live without a credit card, you will at times not be aware of the amount of money you are spending. The trick here is to carry only a small portion of money in your wallet. This will help you from not spending too much of your saved up money once you get rid of the credit card.

Therefore, here are some of the challenges you need to face while living without a credit card. If you follow these simple ways you are bound to be happy!