Between 2002-2006, I lived in cash and debit only, no credit cards. Partly because the cards I’d owned before then ruined my credit, but it was also a personal choice. This has been discussed elsewhere on this blog – what I’m thinking about today is knocking out what new credit card debt I do have (and also paying back that stupid DFAS overpayment – innocent payroll errors, my ass). The debt’s not much really, certainly well under $5,000 (will have to tally later), all with very high interest rates. Mostly all I’m paying is interest even when doubling the minimum payment (and continuing to use the cards as a matter of convenience).
I don’t plan to close the accounts, just pay them off and try not to spend anything on them that can’t be paid off within a couple months. Nothing too novel.
Credit cards aren’t my boogeyman – student loans are. 
Borrowed from Yes! Magazine:
“Vacuum-packed for your protection.”
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