Credit cards can offer unparalleled convenience for the financially disciplined consumer. For those that are still learning to tame the temptation to spend credit cards can be a source of frustration and anxiety. If you find yourself in the latter category it is probably time to pitch the plastic. Other times that suggest a credit card moratorium may be in order: 1. Every time the phone rings you fear a bill collector is calling. (Ignoring the problem will not make it go away. Instead, take a look at your budget and make a realistic assessment of when you will be … Continue reading →