How To Treat Credit Card Addiction

If you are obsessed with shopping, or too spendthrift in your buying

, you would face a time when you might gather debts. If matters go worse, you will be bankrupt, and then might have to look for help from a Mc Kinney bankruptcy attorney or a Mc Kinney bankruptcy lawyer. If you are already piling up debts, playing with your credit card further is not a sensible act to do. However, because you are addicted to shopping, staying away from it wouldn't be an easy job for you with the help of this card.

Many individuals might not know that they are being governed by credit card craving. The truth is that, many individuals might not realize that it really survives. Well, the reality is that it does, and once you are a prey of it, it is a lot like alcoholic or drug addiction. The first part in curing this addiction is to accept that you are an addict. And, if you are already piling up debts, it is high time that you realize that being so spendthrift is not a wise thing to do.

A great idea to cure your credit card addiction is to put it as far away from you as you can. Yes, you will have to manage without it. When you move out shopping, rather than your credit card, take some cash notes along with you. It helps you realize how much you are spending on every purchase. Moreover, once you have spent all the cash notes you took along, you have no other option but to head home. It is a good option to involve a friend in your mission. Make yourself answerable to him/her. Every time you spend some money, tell him/her what you purchased, how much it priced you, and how much money you are left with.

If you're really determined about putting a haul to your credit card obsession, it is better to shut your credit account. This might be the condition when your finances are already not going the manner they were supposed to be. To do this, you can call the number on the back of the card and request the personnel to shut your account. You can also keep a card for any urgent situations. Well, an emergency here definitely doesn't mean the pair of shoes displayed at the store! What you can do is hand the card to somebody, who will keep it in his/her custody, and will provide it to you only when you need it for 'real' urgent situations. Apart from those 'true' emergencies, do not even consider the card!

Lastly, you should keep a track of all the expenses you made. You can either do this monthly, weekly, or once in every two weeks, whatever is convenient to you. Make a note of every item you buy and calculate the total sum you had spent. Afterwards, monitor your improvement and if you are not limiting the number of your expenditures, you might still have a long way to go. On the contrary, if you are, then good job! Keep up the practice, and very soon you will be biding farewell to your addiction!

by: Connor Sullivan

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