If you are bad with credit cards then you are probably already in debt. If you’re not in debt already then you’re probably well on your way to it if you’re bad with credit cards…
Well, don’t get too far in over your head. If you are seriously thinking that you won’t be able to meet your payments at the end of the month then you need to consider getting rid of the credit card in question. In fact you need to get rid of all your credit cards!
You might scream out that you need it to live, you need to do your shopping with it because you don’t like to carry cash around, and various other excuses why you must hang onto this lifeline that will ironically be the death of you (at least financially). But don’t despair because if you need to be taken away from credit cards steadily so as not to suffer too many withdrawal symptoms there is help at hand.
You can get pre-paid credit cards now, and they are pretty good. All you do is put your credit onto the card before you spend it. That way it will still feel like you have a credit card, and you can still remain cash free, yet you will not be allowed to spend over what is on your credit card. This is an ideal purchase for many people, but in particular it’s a good way to teach young people how to use credit sensibly.
