My husband and I paid off all our credit cards and shredded them. We have one that we use for emergencies (never had to use it yet, - fingers crossed)

Our only long payments are car and mortgage. Our monthly bills are utilities and such.

We save each month for big purchase items and then pay cash. If we can't afford it, we don't buy it.

We've lived this way for two years now and it feels wonderful.

Hand raised ------> I solemnly vow to never get into credit card debt again.