Stop Feeling Guilty About Not Using Credit Cards

I talked to my Dad on the phone last night, and when I told him about my savings goals for 2007, he was dead silent for about 30 seconds and then he said, “Wow…”  He was stunned.  It was one of the coolest moments in my adult life.  My dad, whom I love dearly, then said, “Son, what you’ve been able to do in the last 2 years is simply amazing…”  You know what?  That was pretty awesome to hear.

Part of the reason for my progress over the past two years was my decision not to use credit cards.  Like most people, I used to promise myself that I would pay my credit cards off at the end of each month.  And, like most people, situations arose, and there was always more bill than there was money.  So, I carried a small balance forward.  And month after month, promise after promise, my balances slowly (but steadily) grew.

Now? I don’t have to worry about paying off my cards each month.  Why?  I don’t use credit cards, and haven’t for almost 2 years.  I feel so much better, so much more in control.  If you decide to ditch your cards, good for you! You should never let anyone make you feel guilty for making that choice.  It’s up to you.  Don’t be pressured by our credit-crazy society.  Be an individual.