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Overspending is a major problem I have as well. I have about $5000 in credit card debt at the moment. I have most of it on a 10.9% interest card and, if I stick to my payment plan will have it paid off in 16 months. I cancelled my highest rate card and intend to cancel another once the balance is transferred. I intend to use a Visa debit as an alternative to my credit cards.
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It is said an Eastern monarch once charged his wise men to invent him a sentence, to be ever in view, and which should be true and appropriate in all times and situations. They presented him the words: "And this, too, shall pass away." How much it expresses! How chastening in the hour of pride! How consoling in the depths of affliction!
---"Address before the Wisconsin State Agricultural Society". Abraham Lincoln Online. Milwaukee, Wisconsin. September 30, 1859.
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