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Bankruptcy: The Power of the Clean Slate

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Dave Ramsey

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Scott Bilker

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Liz Pulliam Weston

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Credit Card Spending Down

Credit Card Spending Down

According to a recent study by Javelin Strategy & Research, 37% of consumers have said that they’ve cut spending on their credit cards while only 10% reported an increase in their spending. Furthermore, 54% said they planned to spend less on ‘discretionary’ items.

Good job, citizens! Looks like most of us are getting the hang of this frugal living thing...These numbers seem to suggest that consumers are still very concerned over the credit crisis. While there are some consumers who do not feel the need to scale back their spending, there are plenty more who felt they needed to avoid using plastic when possible.

Of course, you already know how reducing credit card use can reduce your debt, but has your spending really changed in the last several months? Are you able to stick to your goals when it comes to debt reduction, or are you still using cards as a fallback? [USA Today]

Posted: 7/31/08

I'm on board with this one. I have a $750 credit spending limit and $40,000+ in school loan debts, soooo I don't spend more than $100 on my credit card. I'd be crazy to max out my credit card!