*heavy sigh* here goes nothing

[maz]

I cant wait to never have one....Im going to wait and see what happens and apply for what you said Tinks. Hopefully my bank has them so I can get it for my business account I was really proud last weekend. I only used the card ONCE the entire time, the rest was from my cash account or cash. 2011 is going to be a brand new year in so many ways

[LimeSlice]

No CC rocks! You will feel sooo much better and no temptations to buy things you know you can't afford - if it isn't in the account, there is nothing there!

Fingers crossed for you Mazzie, you have been working your toosh off this year, you deserve a break xo

[angelaartsstudent]

I am also a fan of no credit card. It's a good feeling.

I've never had one, but do have a debit card (visa) - it means you have all the plus side of a credit card, but you have to have the money in the first place, which I like.

[Nettie]

I'm with you Maz - there's no way I'd rent, I like the freedom too! After all, what landlord would allow a bright blue bathroom, hey?

We've got a CC, but we've got a $1,000 limit which I hardly ever let into the credit side (always have our own money on it). Almost as good as a debit card!

[maz]

Fingers crossed for you Mazzie, you have been working your toosh off this year, you deserve a break xo

I don't think I'll be working anyless next year either im on a mission to get ahead lol

I'm with you Maz - there's no way I'd rent, I like the freedom too! After all, what landlord would allow a bright blue bathroom, hey?

its not going to be blue for much longer

thank you all for your positive vibes and advice. I am really looking forward to next year now, even if we dont get the loan Im still going to kick this debt in the butt

[MrsB26]

Good luck Maz - i could never give up my credit card although i hardly use it. I'm a cash girl, i get my budgeted money in cash and thats it. I keep all reciepts so i know where my $$ has gone and if i direct transfer or PP something then as a rule i must have the cash in my wallet to cover it there and then or i cant buy it. You have the right attitude to make it work for you guys too!!

[*Ali*]

I agree that having no cc rocks, we got rid of ours when we bought our house last year. We actualley have savings in the bank now, and I tell ya what i always think twice before I transfer money out of there to buy something, where as when I had a credit card I would never have given it a second thought.

[Joeve]

Good luck Maz, less debt makes you feel so much more in control. Having the ability to tuck a bit away for emergencies is so much easier when you don't have the temptation to think you will just put it on the credit card. Here's to a more financially positive 2011.