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Budgeting Works!
To gain financial freedom you must take control of your money, plan for the future and Stop Borrowing Money!
Two families striving to gain financial freedom share their experiences.
Blog Author Mona Weathers (monawea)
Co-author, Manda C. -
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Time To Budget News!
Manda C. is our new contributing author. Welcome Manda!
Credit Card Challenge: Using Cash Instead of Plastic
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I wanted to share a story from ABC’s Good Morning America did on a family who used cash instead of plastic for 30 days. J and I have been using cash instead of our debit card since starting FPU. I don’t know precisely how much we’ve saved, but I’d say that it is at least the 24% reported in this story. Our experience is a little different since we didn’t have credit cards, but our debit card was a source of overspending. The few instances I have not been able to resist the temptation and spend it’s been online- Amazon saves my debit card information and paypal is directly linked, so if you’re a big online spender like me, be aware of your “virtual” overspending. The use of a budget and Dave Ramsey’s envelope system eliminates the inconvenience of running to the ATM several times during the month identified in this story. J goes to the ATM twice monthly after each payday and withdraws what we’ve budgeted for gas, groceries, and household purchases, and that’s what we spend.
Can you go one month without using plastic?
~Manda
August 24, 2008 | Filed Under Credit Card Use, Dave Ramsey Financial Freedom, Dave Ramsey Financial Peace University (FPU)Leave a Reply
