How to manage your credit cards

(1) Fill a zipper freezer bag halfway with water

(2) Insert cards and seal bag

(3) Place in freezer

(4) Learn to live within your means


Yeah, I looked at my statements today and was NOT pleased, so I took the above steps. It's cash and debit only from now on.

I'm going to be so financially miserable for at least the next 6 months. Someone tell me this will be worth it.