Living Without Credit Cards takes more than just a pair of scissors and going cold turkey. This episode walks us through Step #3 to wean us off our dependency on plastic. Here is a recap of the steps so far:
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Step 1 - Take your cards out of your wallet and put cash in your wallet instead.
Step 2 - Delete credit card numbers from your online accounts and use BillPay for online payments.
Step 3 - Freeze your credit card accounts from any further charges and use the money you have been saving to build up your emergency fund.