No Self Control – Have to Do Something Different

by Hope

I failed last month. And I’ve failed even more this month. I was so, so close to paying off my Amazon CC. And then I maxed it out again. I’ve got to do something different.

I had my Amazon CC down to $750 last month, had paid off half of it. And now, it’s back to $1,450. I had debated the wisdom of prioritizing this card, knowing my propensity to use it if there was available credit.

As a result, I’ve changed the order of CC priority for paying things off. And moved my Wander card up the list. I have destroyed that card, cannot use it in Apple pay, and it’s not tied to any of my reoccurring bills. There is absolutely no way I can run up the balance any further. So when it’s paid off, it’s gone.

What to do?

I’ve been trying to figure out what to do about the Sam’s Club CC and Amazon CC. The Sams card is paid off, and I’m not tempted to use it very often. Plus the benefits of cheaper gas when I do get near a Club, free delivery on Sam’s Club purchases with my Plus membership, and that the kids use the membership too, I am planning to keep this card open. But be very diligent of either not using it or paying it off every month. Both, really.

But my Amazon CC…just too temping. Those emotional scrolls via the app. The shopping urge at my fingertips. It’s too much. I was really proud of myself when I got rid of Prime a couple years back. It definitely curbed me some. But after finding out about free shipping on orders over $35…well, it’s still a problem. And having my Amazon CC just compounds that.

So I am cancelling my Amazon CC this week. I’m going to make it as difficult as I can to shop there. And to be honest, it’s not like I need anything that I can’t get locally.

Sidenote: I believe this move will hurt my credit score as this is my second oldest card. But that’s okay, I don’t really need or want any more credit at this point. 🙂

Hope is a creative, solutions-focused business manager helping clients grow their business and work more efficiently by leveraging expertise in project management, digital marketing, & tech solutions. She’s recently become an empty nester as her 5 foster/adoptive kids have spread their wings. She lives with her 5 dogs in a small town in NE Georgia and prefers the mountains to the beaches any day. She struggles with the travel bug and is doing her best to help each of her kids as their finish schooling and become independent (but it’s hard!) She has run her own consulting company for almost twenty years! Hope began sharing her journey with the BAD community in the Spring of 2015 and feels like she has finally in a place to really focus on making wise financial decisions.