It's been a little over 2 months that my wife and I closed all of our credit cards. See my post about it here: cutting-credit-card-cord At first it was a great feeling, nice that we had let go and have not been adding to our over debt. In the recent weeks we have had some bumps, unexpected car repair, and 2 of our 3 children needed glasses. In the past we would have easily put these expenses on our credit cards. We found the cash to pay for both, but has left us limping towards out next payday, keeping our fingers crossed that nothing else pops up.
The high and excitement of cutting the credit cards up only 2 months ago is clearly gone now. We keep reminding ourselves that we have already made a nice dent in our debt repayment. We are continuing to track all of our expenses this month to see if there are any further changes that can be made. There are moments when it seems like a endless fight.
How do you keep yourself motivated to keep you budget and finances on track?