For as long as I have had a career, I have lived off of credit cards. I handled my expenses using these cards and paid it back at the end of the month. Using these cards, I also purchased things that I couldn’t afford and paid the money back over many months. At one point of time, I had up to 4 credit cards in my wallet, all maxed out.

With my recent move and a long overdue financial reset, I decided to get rid of credit cards from my life once and for all. I was anyways going to get rid of my Indian cards, but I also decided not to get any in Thailand.

At first it was scary and I almost ended up applying for one during a weak moment but eventually pulled through. Now it has been more than a month without a credit card and I couldn’t be happier. For the first time in my life, I am actually sticking to my budget goals.

I hope I am able to stave off the temptation and maintain this going forward.