These days, everyone has a credit card. And on that next trip to the mall, you may decide that you “need” that cashmere sweater (“It’s fall!”). Or that new lipstick (“It’s small!”). Or a pair of shoes (“I deserve a treat!”). Or an extra-nice lunch with wine and dessert (“We all gotta eat!”). Just as fast as you can whip out your card, you’re swiping until you can’t swipe no more. Before you go there, just stop.
Black Enterprise cautions readers against racking up credit card debt, even when we’ve worked hard and really, really, really want something. They suggest using cash and offer four tips to help you use green instead of plastic when you take a shopping trip.
“Bring a certain amount of cash with you daily and only spend that,” they suggest. If you need to carry a card, make it a gift card with a monetary value, which will keep the credit card use at bay.
For more about how to keep credit card use to a minimum, click here and read more at BlackEnterprise.com.