Dave Ramsey, cut your credit card. My husband and I got a loan to cover all of our credit card debts. We cut our cards and didn't use a credit card until after our debt was paid. By that point, we were so use to buying things only if we had the money in the bank that we didn't want to use a credit card.
Paying Off Credit Card Debt - How A Family Paid Off Their Debt - #RedbookParty