Plastic Surgery

This was the first one to go. Good old Wells Fargo. The one we have a balance on... This was the scariest one to cut up since this was always our "emergency" card. Obviously we haven't had $10,000 worth of emergencies this year... so that card had to go.

"If you can't afford to buy it now... don't buy it!" - Dave Ramsey

No more secret purchases, no more living beyond our means, no more paying 14% interest on food, booze and tips from restaurants... :)

Good-bye safety net...

Now for Home Depot... I guess we will have to wait on that bathroom remodel, deck, flooring, porch stain, giant christmas wreath, and the 1000s of other projects we dream about.

Sure no interest, no payments sound great... until the year is up and you don't have the money to pay it off!

Everyone that dreams of owning a house has no idea the amount of money that goes into it. We have had our house for 1.5 years and already we have a leaky pipe, clogged dishwasher (which was brand new), ruined hardwood floor and issues with the garbage disposal.

Good times...

This card was purchased ($4.95) as a joke. You could put whatever picture you wanted on it and my husband put a pic of his friend and himself from Halloween on it.

We went white water rafting over the summer and while making a purchase at the gas station he tossed it on the counter in front of his buddy.  It was a good laugh until the statement came in.

It takes disipline to use credit cards.  So if you don't think you have what it takes... don't start!  Credit is almost an addiction. You have it to use... then you start using and abusing it until all you have is debt.

Lesson for the day: If you don't have the money in the bank to buy it today, DO NOT BUY IT!!!!