The 21 Day Financial Fast challenges you to not use your credit card. I failed because I used my credit card to pay for gas.  I had no intentions on using my credit card but I left all my cash home and I needed to get home, so I swiped that card. But I haven’t used my credit card for anything outside of necessities (just gas that one time) so I’m still winning.

I use to be of the opinion that credit cards were not bad if you paid off your entire balance every month.  I felt that credit cards helped boost your credit score and they provided great incentives so why not have and use them?!  And they do, do all of those great things but they are also a catastrophe waiting to happen if you do not handle them properly.

I have  realized that when I carry cash I am more aware…