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Savvy Savings Challenge: It's Liberating

Savvy Savings Challenge: It's Liberating

This update was shared by member becka31523, who is participating in our Savvy Savings Challenge and feels liberated by her effort.

Today I made a choice that I'm very proud of. I had a credit card still that I used in "emergencies" but who really needs that temptation lying around? Not me! I shredded that credit card today and I feel so much better not having that temptation anymore. I've also decided to do cash only for my personal expenses each week...groceries and gas mainly. This will make me watch what I'm spending a bit more closely and make some decisions that need to be made. I'm also going to plan out my spending for the month each month and only spend on the expenses I've planned for. Anything left over...it's going to my credit cards. I'm so sick of being in debt and I just want to do everything in my power to get out of it. I know this is a bit more than the Savvy Savings Challenge asked for but I felt the need to write about it since these decisions have stemmed from the Savvy Savings Challenge. Thanks everyone for being a part of this, it's a huge help!

Cheer on the savers in comments and jump on our budget- and mood-boosting effort and cut your most harmful and indulgent habits for the challenge period! Join the Savvy Savings Challenge and share what you plan, then update the group with your pitfalls and success stories. The community and I will be your personal finance trainers!

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lilkimbo lilkimbo 5 years
Maybe I'm a worrier, but I would never get rid of my emergency credit card. (Although, I truly only use it in emergencies; I've only used it twice, once when I was locked out of my apartment and needed a locksmith and once when a relative was very ill and I had to get a last-minute flight.) My money that's in savings would take too long to get out. (It's in a 401K, not in a traditional savings account.)
esmerb esmerb 5 years
Congrats!
Angelica Angelica 5 years
Amazing! Keep at it!
lauren lauren 5 years
Good luck and that is a huge step! Keep it up!
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