Comments on: I am over 1 year Clean!!

By: Eric Gamble

Eric Gamble — Wed, 14 Dec 2016 17:58:36 +0000

In reply to Tania Potter – Soul Sense Coaching.

I couldn’t agree with you more Tania. I was lucky that I really wanted it bad enough to take care of it as soon as possible along with my law school loans. Now I’m addicted to the freedom of cash and carry. Thank you for your kind words

By: Tania Potter - Soul Sense Coaching

Tania Potter - Soul Sense Coaching — Wed, 14 Dec 2016 15:53:33 +0000

Good for you Eric! It really takes discipline to do what you have done. Six years to pay your cards off? Now that is a shocker. Spending really is as much an addiction as alcohol and drugs.

By: Eric Gamble

Eric Gamble — Wed, 14 Dec 2016 14:01:21 +0000

In reply to Becki Svare. Keep up the great work Becki I'm so glad to hear that you're almost there! I'm sure it feels very good to you to be debt-free

By: Becki Svare

Becki Svare — Wed, 14 Dec 2016 11:22:38 +0000

I Love this!! We have been on the same journey and are working on our house to finish off all our debt. We also love to travel and typically have everything paid before we go.

Good job and keep it up!!

By: Eric Gamble

Eric Gamble — Sun, 13 Nov 2016 23:12:12 +0000

In reply to Dara. Haha, yeah I have no control over Google AdSense! I do find it ironic that they would post on my debt free no credit card post. I agree with you having a credit card can be very misleading and dangerous especially for someone like me

By: Dara

Dara — Sun, 13 Nov 2016 22:26:08 +0000

Can we discuss the irony of the adsense ad at the bottom of this post being for a Discover card 😀 It really made me LOL.

Seriously though, credit cards can be a huge temptation to spend beyond your means. I got one last year that was supposed to be my little emergency fund…then they raised the limit…now it has waaaaay too much crap on it. They become so easy to use, feels like free money.

By: Eric Gamble

Eric Gamble — Thu, 10 Nov 2016 19:37:03 +0000

In reply to Julie Cao. Yeah if I can get rid of all of my bills I would be a Superman! Haha no I did figure out a way to get rid of my cable bill or at least reduce it. I used to be paying like $200 on that shenanigans and very rarely used it and now I lowered it down to 50 bucks by using a Roku and very basic cable that comes with my Wi-Fi package. If I could cut the cord entirely I would

By: Julie Cao

Julie Cao — Thu, 10 Nov 2016 17:05:16 +0000

Well done Eric! I must be not easy for you to get rid of the credit card but you did it! It made me thinking of quitting using credit card too. I dont have debt currently as I always overpay first as I hate the idea of being indebt to the bank, but that is equally being using cash. I am now trying to get rid of my phone bills. Thanks for this candid article!

By: Eric Gamble

Eric Gamble — Thu, 10 Nov 2016 16:59:32 +0000

In reply to Beth. That's awesome to hear Beth. I've only been doing this for 3 or 4 years, but never felt more free and to hear that other people like yourself and your husband have been successful for 25 years like that just proves that it is possible. Thank you for sharing

By: Eric Gamble

Eric Gamble — Thu, 10 Nov 2016 16:58:34 +0000

In reply to Cheryl. I love hearing this story Cheryl! The fact that you and your daughter were able to spend quality time together over home cooked meals and fun homemade cookies makes life even better in my personal opinion! Some of the greatest experiences I've ever had my life with friends and family didn't cost money but just took some creativity and thought. Just like you and your daughter did for each other. Thank you for the kind words also

By: Beth

Beth — Thu, 10 Nov 2016 16:28:37 +0000

My husband and I gave up our credit card about 25 years ago. I think it was a great decision.

By: Cheryl

Cheryl — Thu, 10 Nov 2016 16:00:53 +0000

Congratulations on acheiving your goals. There is nothing sweeter than succeeding at what you set out to do–and proving to yourself that you didn’t have to live miserably to do it.
It’s always about choice and clearly knowing what you value most.
We are tightening our belts this month and need to cut back on all unnecessary spending. When my daughter and I had to be out over the lunch hour, we planned on packing a lunch. We “suffered” eating my homemade beef stew rather than forking over cash at a restaurant. (We even shared some of our homemade cookies.) Rather than deprived, I felt smart and rich…and generous. I call that living large.

By: Eric Gamble

Eric Gamble — Thu, 10 Nov 2016 03:29:45 +0000

In reply to The Thrifty Issue. I agree, it drives me nuts when I hear people say they can't do stuff because they can't afford it and then I watch them use their credit card like it's going out of style

By: The Thrifty Issue

The Thrifty Issue — Wed, 09 Nov 2016 22:13:51 +0000

Congratulations! That’s a huge effort and one not many people decide to take on. I haven’t had a credit card in about a decade. My partner has one and collects travel points etc. But for the most part, people we know are killed financially by keeping credit cards.

By: Eric Gamble

Eric Gamble — Wed, 09 Nov 2016 20:54:15 +0000

In reply to Joanne |No Plate Like Home. That's awesome Joanne, I wish I had your discipline to be able to pay them off at the end of every month but it would be too tempting. I used to have an American Express charge card, you know the old plastic American Express and I loved it because you had to pay it off at the end of every month. But I got rid of that unfortunately I have to get one again but to me running with cash currently is the best way for me to stay disciplined