Debt

Some how I always have some sorta debt since I was about 19 Ive had thousands of dollar in credit card bills, we,ve gone through the vicious cycle of pay off recharge and I would always be sick of how much debt we would have, 3 1/2 years ago I ended that cycle for ever by cutting up our credit cards and never reopening another, we currently have no debt except for our car payment.(which we just reduced by $200 a mth by getting an older car) we currently owe for monthly living expense food housing and insurance, I would like to reduce all this as well we shall see. I thought it would be impossible to survive without credit but I proved to myself and my family that was not the case, we have done just fine. The winter mths I always wish we had one for the time work is slow because the one thing I have not done is start saving but that is change for the last mth of December 2011 we actually put money in a savings and my hope is not to withdrawl no matter how hard it is. I am pretending like its not there.
SO January 2012 we will be saving all year and putting money away for our rainy days when work is slow next winter and then still have a savings, my hardest things for my family is that when we actually have money everyone thinks we need to buy that new wanted item even though what we have does the tricks just fine they are not broken or worn out they just want the latest coolest feature so my hopes and goals is to get them from thinking they always have to the newest item out there.
I will let you know how that goes in the future.
So if your someone who thinks they cant live with out credit think again, its truly the best thing that happened to us. If we don't have the CASH we dont buy and that means now we have to have all our needs taken care of  and the savings needs a little funding then maybe we can purchase an item. Dont try to set a forever goal start off with using no credit cards for a day and this may even mean your debit card to get you through use cash and when its gone its gone.
Then try not using credit for a week then a mth you get the idea and then that way when you pay the payment your actually paying the payment not paying and recharging what you just payed off. if you really take a look at how much interest you pay it will make you sick most of the time you pay more in intrerest than you do for the balance that you actually charged makes you sick uh.
I dont even like having to owe my monthly houseing expenses. The next thing on my list is to start paying off our car with adding more money to each payment instead of just paying the monthly payments.
Hope this gives you some motivation to start your debt free lifestyle and to quit using your credit card and be one less penny out of debt.