ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

How to Not Use Your Credit Cards!

Updated on January 4, 2011

I must admit, when it comes to managing money, I'm no better than any other gal who likes to shop. For the past month, I finally decided to monitor my spending and to chart the exact percentages that go to each "category" of spending. The categories were rent & utilities, food, cat, gas, household, and shopping. Sadly to say, the "shopping" category occupied more than 50% of my total budget. (Which is insane because my monthly rent is pretty high). All in all, I learned that I spend a LOT of money on shopping!

I realized I needed to keep my inner shopaholic in check.

The Culprit: Credit Cards

I am someone who operates on a credit cards only basis. I literally, DO NOT use cash for anything at all. Everything I purchase goes through my credit cards, so obviously I need to change how I use them. There are several ways to go about this, but I didn't know which way would be best!

There is the give your cards to your family/boyfriend/friend method. I was 100% against this one, since I am paranoid, and knowing my luck, the family member/boyfriend/friend would lose my card somewhere, only to be picked up by some theif!

The cut up your cards option seemed favorable, but a bit dramatic and permanent. Plus, I didn't want to cut up my pretty pink card.

The freezing your card method however, was extremely appealing. It was still in my hands, (well my freezer), so I was in control, but not too in control, as it's frozen in an ice block. Best of all? It isn't permanent and it suffers no damage!

Wanna FREEZE your own card? Follow these simple steps!

Source
Source

Step One

What you need:

-credit card(s)

-bowl

-water

-freezer

That's it!

Try and choose a cheap bowl, or one made of plastic because you're freezing it!

Source

Step 2

Choose a rather large bowl/dish. You don't want the "ice block" to be so shallow that you can just dig your card right out!

Place your credit card(s) inside the dish.

Source

Step 3

Pour water into your bowl/dish. Try and put enough water so that the card is deeply submerged!

I had to push the card down to keep it from floating to the top!

Source

Step 4

Place the dish on a flat surface in your freezer. To speed up the process, I turned down the freezer temp!

Wait at least 4 hours.

Source

Step 5: Finished Product!

Take your bowl/tray out of the freezer. If you want your bowl/tray back, peel the ice out of the tray just like normal ice cubes!

Results?

So far, I've gone one week without using my frozen credit card AT ALL! Which is a miracle in itself. Hopefully I can monitor my progress and see how much less I've spent by the end of this month compared to the last month!

If you'd also like to do this at home, just add up all your expenses for a past month and categorize your spending. (see first & second paragraph) Then, use steps 1-5 to freeze your card(s) and monitor your spending for the new month! Calculate how much you've saved from freezing your credit cards!

Comments

    0 of 8192 characters used
    Post Comment

    • lambservant profile image

      Lori Colbo 5 years ago from Pacific Northwest

      I admire your chutzpa, but it's still too easy to use credit. All you need is your credit card number or a little hot water. Sounds like in all seriousness, it would be best to cut it up or call up the company and have THEM freeze your limit. Ha ha. I use ATM, once in a blue moon small amounts of cash so I can't over spend. I pay rent in cash everything else by ATM card or check. I keep my check book balanced to the penny (well bully for me, eh). This is something new for me, as in the last three months. Always I have not been able to keep it up or balance it right. I am learning through a bit of financial suffering that I have to start being careful. It's hard, but the rewards are worth it.

      Do hope the ice thing works. You never know.

    • pmccray profile image

      pmccray 7 years ago from Utah

      Great advice. I like you carry no cash. Limiting my spending to my ATM/credit card only. I only spend money I have in my account.

      If its not there the item is not purchased or I wait which gives me time to think over the purchase and decide on whether I really need it or not.

      Voted up, marked useful and shared.

    • yenajeon profile image
      Author

      yenajeon 7 years ago from California

      Yes the concept seemed pretty flawless, so I'm going for it! Let's see how I do!

    • barryrutherford profile image

      Barry Rutherford 7 years ago from Queensland Australia

      Just add water and dillute you Debt ! I like it...

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: "https://hubpages.com/privacy-policy#gdpr"

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)