I just spent the last hour writing down all the information on my credit cards (for information sake) and cutting each one up. That is 9 cards all together (3 store cards and 6 credit cards). Two of the cards were empty - the other 7 practically maxed. Now, I have only my debit card - good news - I have only overdrawn my account once and it was by a stupid mistake (I didn't realize it takes a few days for a paycheck to go through - I was 18) and I'll slit my wrists before I overdraw again.
*I know, bad/gross attempt at humor- but I'm trying to give you an idea about how upset I am about my problem.*
P.S. I do have overdraft protection.
I realized I had a shopping/ going out to eat problem back in May '08 but wasn't really able to do anything about it. I transferred some balances onto 0% cards- but it didn't work, I just charged the old ones back up and added new stuff to the "0 precents". Stupid I know - but, I wasn't exactly thinking about being responsible. I was thinking "if I'm going down I might as well enjoy it". I was depressed, but in a odd way, still trying to stay above water.
I decided to get a second job. It took a few months to get a second job that would work with my slightly weird availability (every other day). I got the part-time position at PetSmart in August. The hours still aren't as many as I'd like to have...but we're in a Recession ...I know - GREAT).
I have got to STOP charging. I have to LIVE on my paycheck. I have to eat at HOME. I have to. There isn't any other options.
Please, Give me Encouragement. And Easy to Make Recipes. :)
