As a financial nut, I am going to tell you now, that I don't believe in cutting up the credit cards to stop bad spending habits. I believe that a habit is something that you need to break are change, and I believe that cutting up the credit card is the easy way out. You basically don't learn how to control your self, and that is where the problem lay. You see everyone whats to blame the object for their lack of control, It's the guns fault, it's the food's fault, it's the credit cards fault. Well, I don't believe that I think the first thing you have to look at is yourself. That is where the problem is, fix you and learn how to use credit correctly.
All Ideas are not created equally, so all solutions are not created equally. Today its time to open your mind and take what is meant for you, and leave the rest for the person it's meant for.