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Originally Posted by spindles
Congrats on clearing the debt.
I have lived by the principle of my parents - if you don't have the money, don't buy it (apart from obvious larger purchases like cars and houses). I have a debit visa card (works where visa does, but takes money out of my bank account - no credit)
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Yeah - within the last few years I have started using my check card (Visa) for 95% of my purchases. I then enter every single receipt into an excel spreadsheet and track my expenditures that way so that I can see where all the money goes each month. It can sure tell you a lot about your priorities and lifestyle if you keep track of where you are spending your money and what percentage of your total income gets spent on entertainment, food, etc.
Plus it tells you exactly where you can afford to cut back and what you can do without.