What to Carry in Your Wallet

by Galia Gichon on June 21, 2009


One way to really change your spending is to stop using your credit cards. Is that realistic? Not for many of us! One way I found to minimize my credit card spending is to come up with a weekly amount I want to put on my credit cards. I literally keep a POST-IT piece of paper on my credit card in my wallet. Every time I use it for that week, I write the amount I spent. I just use the pen that I used to sign my name. This way, I can quickly tally up what I spent that week.

For example: $23 at drug store, $50 at grocery store, $45 at GAP Kids. I can quickly tally that I spent $118 for the week so far. I am still under my $200 for the week and can still afford to go out to dinner for $80. Not bad!

{ 1 comment… read it below or add one }

Amanda June 26, 2009 at 9:03 am

Yes, I totally agree, BUT, what about the reports that say canceling your cards could hurt your FICO score?

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