No, we haven't fallen off the wagon and started using credit cards again.
The cards are still around, but they're bound together with a rubber band and living in a dark corner, alone and neglected. They haven't felt the tingle of a terminal or ATM swipe for over two months, and using YNAB is giving us the discipline to not fall back into old habits. I'm thinking it's time the cards were disposed of altogether as there is no way we're going to be using them in the near future. Who knows one day we may see a need for one or two of them again, but that day is not now, nor any time soon.
The usual advice when kicking the cc habit is to cut them up, or if you can't stand the thought of that at least put them in a container of water in the freezer to give yourself a chance to think about the purchase while the card thaws out. I thought it might be fun to see what other ways there are to destroy a credit card.
The first credit card that has to go is the hated Gold AMEX. High interest and inflexible customer support with a mightier than thou attitude means that this goose is cooked, and a mere scissor cut is not enough. Out into the garage to see what fate lies in store for this ugly beast.
Hmmm....this looks interesting
Wonder how a mere piece of plastic will fare against C3H6O?
5 minutes later.......not too well by the look of those gold flakes
...barely recognisable and certainly no evidence that it ever belonged to....err owned me
30 minutes later....the deed is done
Ahhh, I feel better now
, even more so when AMEX is paid off and closed.
P.S. I was going to post this in my journal, but it appears images as attachments are not allowed in the journal section. I guess this is a kind of success story.