(no subject)

[alexseanchai]

Dead comm is dead. *pokes at it*

Hi, I'm Ellie, and I have problems with buying things on impulse. This may be related to my thousands of dollars in credit card debt. I have a full-time job which, after monthly expenses, gives me four hundred a month to pay down credit card debt with. Somehow the debt keeps not going down. Does anyone have suggestions for ways to convince myself I don't actually need any of the books and probably don't need any of the crafting supplies I buy?

Comments

[pwcorgigirl]

The advice already given is really excellent. Direct payment on your debt and putting the card somewhere not readily accessible both work very well, as does schooling yourself to read the books you've already bought and use up craft supplies on hand.

I give myself some mad money for internet spending by buying a Barnes & Noble gift card for $25 and a Visa pre-paid debit card for $50 three or four times a year. The money to buy these comes out of my cash pocket money, and I tend not to blow them because of having to scrimp just a little bit to buy them. It connects credit to real money that I've handled, and that does make a difference in curbing wasteful spending.

Going to your favorite internet stores and changing your credit card information to what's on your pre-paid card will bring the internet impulse buying to a screeching halt. It's a pain to have to switch it back, and that few minutes of delay is crucial to thwarting impulse buying.

[alexseanchai]

Hm. I like these ideas. Thanks!