How To Cure Credit Card Obsession
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If you are obsessed with shopping, or too spendthrift in your shopping, you might face a time when you would pile up debts. If matters go even bad, you will be bankrupt, and then might have to look for help from a Mc Kinney bankruptcy attorney or a Mc Kinney bankruptcy lawyer. If you are already gathering up debts, playing with your credit card further is not a wise act to do. However, because you are obsessed with shopping, keeping away from it wouldn't be a simple job for you with the help of this card.
A lot of people might not know that they are being governed by credit card craving. In fact, a lot of individuals might not realize that it actually exists. Well, the reality is that it does, and once you are a victim of it, it is a lot similar to alcoholic or drug addiction. The first part in curing this addiction is to admit that you are an addict. And, if you are already gathering up debts, it is a crucial time that you get to know that being so spendthrift is not a wise thing to do.
A great option to cure your credit card obsession is to keep it as far away from you as you can. Yes, you will have to do without it. When you move out shopping, rather than your credit card, carry a few cash notes along with you. It makes you realize how much you are spending on each purchase. Furthermore, once you have spent all the cash notes you took along, you have no other option but to go home. It is a great option to involve a friend in your assignment. Make yourself answerable to him/her. Every time you spend a few cash notes, tell him/her what you purchased, how much it cost you, and how much money is remaining.
If you're really enthusiastic about putting a stop to your credit card addiction, it is better to close your credit account. This might be the situation when your expenses are already not proceeding the way they should be. To do this, you can call the number on the back of the card and request the staff to shut your account. You can also keep a card for emergencies. Well, an urgent situation here definitely doesn't mean the pair of shoes showcased at the store! What you can do is give the card to someone, who will keep it in his/her custody, and will provide it to you only when you require it for 'true' urgent situations. Apart from those 'real' emergencies, do not even consider the card!
Finally, you must maintain a follow up of all the expenses you made. You can either do this monthly, weekly, or once in every two weeks, whatever is convenient to you. Take a note of each item you buy and calculate the entire money you had spent. Afterwards, check your improvement and if you are not reducing the figure of your expenses, you might still have a long way to go. On the other hand, if you are, then thumbs up! Keep up the practice, and very soon you will be biding farewell to your addiction!
Article Source: Articlelogy.com
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