Hello Sophisticated Spenders!
It’s my favorite day of the week again!
We all know I love a good challenge, so why not start this new month with one of my favorites…
Can I go cash only in September?
I can’t even answer this question because I normally fail miserably at this task.
I finally looked back to figure out what went wrong every time I’ve tried this challenge and have come with 5 rules:
1: Some exclusions apply! I’m allowed to pay bills and get gas (and make charitable donations) using my credit card this month,
F&CK Forget those points! I used to make exceptions because I’d say, “you really don’t want to miss out on your rewards points…do you???” Yes I DO! Chasing points is the worst thing you can do for your credit.
3: Limit my trips to the ATM. Only 4 withdrawals are allowed this month! Period!
4: Share! I am sharing my goal with you and all of my friends so they know the reason I am saying no to various opportunities to spend my cash!
5: Online purchases. I HAVE to walk to a store and purchase a gift card if I plan on making any online purchases. There’s a very low chance of me going thru all of that trouble so it’s looking like I may not be making any online purchases this week either.