alexseanchai: Blue and purple lightning (Default)
[personal profile] alexseanchai posting in [community profile] actyourwage
I now have a little wooden box with a lock. It contains all but one of my credit cards, plus one of my debit cards, such that what remains in my wallet is the debit card hooked to my flexible-spending health-expenses account, the debit card hooked to my primary checking account, and one credit card in case of emergency. I think I am also going to get in the habit of keeping hardly any money in that checking account, transferring everything I need to cover that month's bills into savings and pulling it back into checking the day before the bill in question comes due.

This won't make it impossible to use those cards—I think I have at one point or another used every single one of them for an Amazon purchase, so Amazon remembers them all, and while the box is going to live two floors up from my computer, I don't have trouble with stairs and the key will live on my keyring in my purse—but it'll make it a lot harder. Can't spend money while out of the house using a card that's in the house, after all.

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Date: 2013-01-17 10:07 pm (UTC)
jamethiel: Money! (Money)
From: [personal profile] jamethiel
Yep. That's a good idea. I keep my credit cards in a block of water in the freezer--it takes time to defrost and you can't speed it up without frying the card. That means purchases have to be planned.

For the rest, I carry one credit card in my wallet, with a picture of Lake Tekapo in New Zealand wrapped around it. That's what I'm currently saving up for. If something happens like my car breaks down in the middle of nowhere and the towtruck costs over $200, that's what that card is for. But the picture of New Zealand stops me using it for, say, groceries or a new DVD.

Just having that thing that makes you stop and think is sometimes enough to stop impulse spending.

(no subject)

Date: 2013-01-18 05:06 pm (UTC)
willidan: (Default)
From: [personal profile] willidan
I used to keep my credit cards in a block of ice and the planning needed to use them kept me out of trouble. Since then I've cut up all but one for emergencies, but like you, have used several on Amazon. But I try and keep off there as much as possible. Good idea keeping them in a locked box far away from you.

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