No more credit, no more debt

I was inspired by Seth Godins post about credit and I discovered the site of Dave Ramsey. The last few days I read some of the web site and listened to some of Dave’s work on youtube and I got inspired. Just today I made a decision: I do not want more credit, I do not want to have more debt. So I cut our credit cards in pieces. From today onwards I only pay as I go.


And for my creditcard payment needs for e.g. websites, I applied for a prepaid creditcard (in the U.S. a.k.a. debit card) from

This is my first step in My Total Money Makeover

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