This past month Dan’s work started offering Dave Ramsey’s Financial Peace University. Since we both love to listen to his radio show, we were excited to take the class.
I thought putting together a budget and sticking to it would be the hardest thing he could ask me to do. Mind numbing work, but doable. Here was the request tonight: Cut up all your credit cards.

That stopped me in my tracks. And I don’t know why. We only have two credit cards with very small limits. We have never carried a balance on either card. In fact, last year we switched exclusively to our debit card so my credit cards are actually sitting in a drawer in my filing cabinet. So why am I so hesitant to cut them up?
I get the cash-only system, and though I’m hesitant about carrying cash, I’m willing to try it out. I totally understand that people spend between 12-18% more when they use a card (because that is so me!). So why am I so scared to get rid of my plastic? Can’t I just keep them in the drawer and forget about them? Isn’t that good enough? Or is this a leap of faith in taking control of our financial life? Maybe it doesn’t matter at all and we just keep on going the way we were.
I honestly don’t have the answer, and am not sure if I will get one soon. Maybe I’ll have one at the end of this week when we have to report at the next class, maybe not until the end of the course, or maybe never. Gah….Bring on the budget! I would prefer that any day!