Credit crisis…

In the last two days I’ve closed almost all of my credit accounts and in the process of paying them off in full. I am not in trouble and was not in more debt than I could handle…yet. It became clear that if my current habits continued I’d be joining the millions who are in trouble. Maybe not today or even tomorrow, but sooner or later it would happen.
It’s embarrassing to admit I never really learned money management, but better late than never. The truth of the matter is that by clearing this up the way I am (though my credit union), I’ll have more money in my pocket each week, lessening the need for credit to begin with! Yippee!
I’ve also opted out of prescreened offers for more credit, something I don’t really need. I’m pretty sure if I ever need another credit card, I’ll be able to find one. It seems that OptOutPrescreen.com is legit, so I went through that service. I’m always a bit leery of sending my SSN, but since it’s pretty easy to find anyway and the FTC says it’s okay (like they are always so honest and right), I guess it’s okay.

At least I’ll know if credit charges are legit in the future as I shouldn’t have any at all.
Aloha1