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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!


Step One

What you need:

-credit card(s)




That's it!

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


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.


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!


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.


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!


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!


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    • 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

      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...