This year I have made the decision to be debt free from unsecured debt.

So to do this I'm not going to use my credit cards.

I took them out of my purse.

In doing so when I need to purchase clothes, shoes or personal items I going to buy gift cards to the stores that I frequent.

I'm also including things like pedicures, facials and etc. into this program.

When I need to purchase something or treat myself to pampering I need to have that available on my gift cards or I won't be purchasing it.

The point is to not put new debt on my credit cards.

I also don't want to disturb my budget.

In the past when I lived from pay date to pay date I had a tendency to want to make up for the time that I didn't have money.

So I would spend excessively when my company commission checks would come in or if we had a great week of sales.

You may not have a business.  You may be living from paycheck to paycheck.  Its the same.

We try to make up for what we  think makes us feel good.

I don't need anything when it comes to clothes and shoes.

There are some things that I would like to purchase.

The big difference is recognizing in your life needs and wants.

Using the gift cards is also a good way to keep from over spending.

This is a good way to later plan for Christmas shopping, birthdays and other gift ideas.

Are you willing to shop with gift cards???

Your Financial Coach,

Renee Lawson