Many of us certainly already feel how the ease and benefits provided by credit cards, but there are also from us who have felt or even being entangled financial affairs caused by credit cards. Certainly will berbading upside down with the beginning of our desire to be able to have a credit card. Once entangled problem then we will think how to get out of credit card.
Not easy to get out of this magic card trap. In addition we must complete and ensure that the administrative matters are done and there is no problem. The level of our need for the card will usually not be easy to lose. Therefore, before deciding to have a credit card we should first consider whether we are in need of credit cards or not. If not then cancel your intention. asuransi pendidikan prudential
As if to have magical power and attraction of its own, credit cards will be an object that is difficult to be abandoned. Especially when we are addicted to using credit cards. It will be more difficult for us to let go of the trap. To escape from the trap we must try and do it gradually. There are stages that are considered very suitable for you who want to get out of credit card trap.
1. Limit Usage
Trying to limit usage by credit card. Try to change our mindset that everything can not be bought with credit cards. That way we will try to better control spending by using credit cards. This method is expected to gradually reduce and ultimately eliminate it. This way will make us more careful to use credit cards.
2. Do not Use More Than Two Cards
For the second way is to select one of our most profitable credit cards and try to start using one credit card only. This applies to those of us who have two or more credit cards. Try maximizing one card only. So slowly we will slightly eliminate our addiction to credit cards.
It’s a very hard thing to leave our credit cards at home, whereas we already have a habit of using credit cards. But it must try to be resisted and self-discipline so that we can use the maximum credit card we have.
3. Expand Using Cash or Debit Card
In addition to leaving cards at home, the following ways can also be taken into account so that we can escape from the bondage of credit cards. That is by using a debit card or carrying cash. Although physically and in the same manner of payment, these debit cards have different systems with credit cards.
If the credit card is a loan that will be given by the card issuing bank, while the debit is a card that will only spend money in accordance with the funds we keep in the card issuing bank. So we will be able to buy something if our card funds suffice.
With the difference of the system of credit and debit card then this way will be able to make us a little relieve our sense of dependence in using credit card. And have started going to try to count and count the funds we hold.
4. Creating a Budget
The next way is to create a budget. This budget will help us to know our purchasing power and reduce the purchase of less important needs. So if we are still using credit cards, we will also be a sharp buyer because we know which needs to be purchased in accordance with the budget we have set. This way can also make us more focused and can allocate funds to save more. Because we can save less important expenses in each month.
Use Credit Cards According to Financial Needs and Capabilities
Credit cards are not drugs or psychotropic drugs that can cause biological and psychological addiction. But a credit card is a means of payment that allows us. With a strong will and determination to change, we are sure we will be able to escape from the trap and perhaps even better treat credit cards more wisely.