I'm kickin' back, surfin', listening to Dave Ramsey.... it's been almost 1 year since I decided not to use credit cards. Wow. I've made it. If I can make it without credit cards, you can too!
It's really awesome, not having to deal with paying off Discover and Master Card every month.
It's actually quite simple now. Just have to think ahead a little and budget accordingly. I'm finding I now make wiser and more informed purchasing decisions. I am able to save for emergencies and for retirement more effectively. It's fantastic!
More and more of my friends are 'getting out' of credit cards and going to cash/debit card only. My friends, this is the way to go. It's the way of the future! No more credit cards!
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